$LYG
Lloyds Banking Group plc Stock $lyg

$lyg Overview Financials Valuation SEC Filings Company Website

2022 Q4 Form 20-F Financial Statement

#000116010623000008 Filed on February 24, 2023

Income Statement

Concept	2022 Q4	2022	2021 Q4
Revenue
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization		$2.396B
YoY Change		-15.19%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense		3.688B gbps
YoY Change		-5.24%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income	$3.267B	$6.928B	$2.997B
YoY Change	9.01%	0.38%	63.95%
Income Tax	$538.0M	$1.373B	$977.0M
% Of Pretax Income	16.47%	19.82%	32.6%
Net Earnings	$2.452B	5.555B gbps	$1.960B
YoY Change	25.1%	-3.96%	48.71%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$0.04	$0.07	$27.29K
COMMON SHARES
Basic Shares Outstanding
Diluted Shares Outstanding

Balance Sheet

Concept	2022 Q4	2022	2021 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment	$10.66B	$8.128B	$11.58B
YoY Change	-7.92%	2.05%	-1.51%
Goodwill	2.655B gbps		2.320B gbps
YoY Change	14.44%		0.0%
Intangibles
YoY Change
Long-Term Investments	$385.0M	$385.0M	$352.0M
YoY Change	9.38%	9.38%	18.92%
Other Assets	$9.051B	$9.051B	$7.649B
YoY Change	18.33%	18.33%	71.69%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets	877.8B gbps	$877.8B	$886.5B
YoY Change	-0.98%	-0.98%	1.75%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable		$5.987B
YoY Change		8.01%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$50.25B	$50.25B	$32.76B
YoY Change	53.37%	53.37%	1933.64%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$8.000M	$5.995B	$6.000M
YoY Change	33.33%	8.04%	-80.65%
LONG-TERM LIABILITIES
Long-Term Debt	$84.55B	$85.87B	$84.66B
YoY Change	-0.13%	-0.31%	-16.72%
Other Long-Term Liabilities	$212.7B	$205.4B	$231.9B
YoY Change	-8.29%	-8.68%	2.18%
Total Long-Term Liabilities	$297.2B	$291.3B	$316.6B
YoY Change	-6.11%	-6.36%	-3.67%
TOTAL LIABILITIES
Total Short-Term Liabilities	$8.000M	$5.995B	$6.000M
Total Long-Term Liabilities	$297.2B	$291.3B	$316.6B
Total Liabilities	830.3B gbps	$830.6B	$833.6B
YoY Change	-0.4%	-0.37%	1.4%
SHAREHOLDERS EQUITY
Retained Earnings
YoY Change
Common Stock
YoY Change
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity	$47.28B	$47.28B	$52.92B
YoY Change
Total Liabilities & Shareholders Equity	$877.8B	$877.8B	$886.5B
YoY Change	-0.98%	-0.98%	1.75%

Cashflow Statement

Concept	2022 Q4	2022	2021 Q4
OPERATING ACTIVITIES
Net Income	$2.452B	5.555B gbps	$1.960B
YoY Change	25.1%	-3.96%	48.71%
Depreciation, Depletion And Amortization		$2.396B
YoY Change		-15.19%
Cash From Operating Activities	$9.961B	$22.01B	$202.0M
YoY Change	4831.19%	232.44%	-127.6%
INVESTING ACTIVITIES
Capital Expenditures	$2.209B	$3.855B	-$1.675B
YoY Change	-231.88%	-219.42%	5.55%
Acquisitions
YoY Change
Other Investing Activities	$1.081B	$4.365B	-$956.0M
YoY Change	-213.08%	539.09%	-375.5%
Cash From Investing Activities	-$1.128B	$510.0M	-$2.631B
YoY Change	-57.13%	-120.04%	112.18%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net			$13.00M
YoY Change			18.18%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities	-1.122B	-6.613B	-2.151B
YoY Change	-47.84%	104.48%	-29.41%
NET CHANGE
Cash From Operating Activities	9.961B	22.01B	202.0M
Cash From Investing Activities	-1.128B	510.0M	-2.631B
Cash From Financing Activities	-1.122B	-6.613B	-2.151B
Net Change In Cash	7.711B	15.91B	-4.580B
YoY Change	-268.36%	1789.31%	-8.75%
FREE CASH FLOW
Cash From Operating Activities	$9.961B	$22.01B	$202.0M
Capital Expenditures	$2.209B	$3.855B	-$1.675B
Free Cash Flow	$7.752B	$18.16B	$1.877B
YoY Change	313.0%	84.34%	119.53%

Facts In Submission

Frame	Concept Type	Concept / XBRL Key	Value	Unit
CY2022	dei	Amendment Flag AmendmentFlag	false
CY2022	dei	Entity Central Index Key EntityCentralIndexKey	0001160106
CY2022	dei	Document Fiscal Year Focus DocumentFiscalYearFocus	2022
CY2022	dei	Document Fiscal Period Focus DocumentFiscalPeriodFocus	FY
CY2022	dei	Entity Incorporation State Country Code EntityIncorporationStateCountryCode	X0
CY2022	dei	Document Type DocumentType	20-F
CY2022	dei	Document Registration Statement DocumentRegistrationStatement	false
CY2022	dei	Document Annual Report DocumentAnnualReport	true
CY2022	dei	Document Period End Date DocumentPeriodEndDate	2022-12-31
CY2022	dei	Current Fiscal Year End Date CurrentFiscalYearEndDate	--12-31
CY2022	dei	Document Transition Report DocumentTransitionReport	false
CY2022	dei	Document Shell Company Report DocumentShellCompanyReport	false
CY2022	dei	Entity File Number EntityFileNumber	001-15246
CY2022	dei	Entity Registrant Name EntityRegistrantName	LLOYDS BANKING GROUP plc
CY2022	dei	Entity Address Address Line1 EntityAddressAddressLine1	25 Gresham Street
CY2022	dei	Entity Address City Or Town EntityAddressCityOrTown	London
CY2022	dei	Entity Address Postal Zip Code EntityAddressPostalZipCode	EC2V 7HN
CY2022	dei	Entity Address Country EntityAddressCountry	GB
CY2022	dei	Security Reporting Obligation SecurityReportingObligation	15(d)
CY2022	dei	Entity Well Known Seasoned Issuer EntityWellKnownSeasonedIssuer	Yes
CY2022	dei	Entity Voluntary Filers EntityVoluntaryFilers	No
CY2022	dei	Entity Current Reporting Status EntityCurrentReportingStatus	Yes
CY2022	dei	Entity Interactive Data Current EntityInteractiveDataCurrent	Yes
CY2022	dei	Entity Filer Category EntityFilerCategory	Large Accelerated Filer
CY2022	dei	Entity Emerging Growth Company EntityEmergingGrowthCompany	false
CY2022	dei	Icfr Auditor Attestation Flag IcfrAuditorAttestationFlag	true
CY2022	dei	Document Accounting Standard DocumentAccountingStandard	International Financial Reporting Standards
CY2022	dei	Entity Shell Company EntityShellCompany	false
CY2022	dei	Auditor Firm AuditorFirmId	1147
CY2020	dei	Auditor Firm AuditorFirmId	876
CY2022	dei	Auditor Name AuditorName	Deloitte LLP
CY2022	dei	Auditor Location AuditorLocation	London, United Kingdom
CY2020	dei	Auditor Name AuditorName	PricewaterhouseCoopers LLP
CY2020	dei	Auditor Location AuditorLocation	London, United Kingdom
CY2022	ifrs-full	Revenue From Interest RevenueFromInterest	17645000000	gbp
CY2021	ifrs-full	Revenue From Interest RevenueFromInterest	13258000000	gbp
CY2020	ifrs-full	Revenue From Interest RevenueFromInterest	14306000000	gbp
CY2022	ifrs-full	Interest Expense InterestExpense	3688000000	gbp
CY2021	ifrs-full	Interest Expense InterestExpense	3892000000	gbp
CY2020	ifrs-full	Interest Expense InterestExpense	3557000000	gbp
CY2022	ifrs-full	Interest Revenue Expense InterestRevenueExpense	13957000000	gbp
CY2021	ifrs-full	Interest Revenue Expense InterestRevenueExpense	9366000000	gbp
CY2020	ifrs-full	Interest Revenue Expense InterestRevenueExpense	10749000000	gbp
CY2022	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2835000000	gbp
CY2021	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2608000000	gbp
CY2020	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2308000000	gbp
CY2022	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1332000000	gbp
CY2021	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1185000000	gbp
CY2020	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1148000000	gbp
CY2022	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1503000000	gbp
CY2021	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1423000000	gbp
CY2020	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1160000000	gbp
CY2022	ifrs-full	Trading Income Expense TradingIncomeExpense	-19987000000	gbp
CY2021	ifrs-full	Trading Income Expense TradingIncomeExpense	17200000000	gbp
CY2020	ifrs-full	Trading Income Expense TradingIncomeExpense	7220000000	gbp
CY2022	ifrs-full	Net Earned Premium NetEarnedPremium	9059000000	gbp
CY2021	ifrs-full	Net Earned Premium NetEarnedPremium	8283000000	gbp
CY2020	ifrs-full	Net Earned Premium NetEarnedPremium	8615000000	gbp
CY2022	lyg	Operating Income Other OperatingIncomeOther	1276000000	gbp
CY2021	lyg	Operating Income Other OperatingIncomeOther	1172000000	gbp
CY2020	lyg	Operating Income Other OperatingIncomeOther	1423000000	gbp
CY2022	ifrs-full	Other Operating Income Expense OtherOperatingIncomeExpense	-8149000000	gbp
CY2021	ifrs-full	Other Operating Income Expense OtherOperatingIncomeExpense	28078000000	gbp
CY2020	ifrs-full	Other Operating Income Expense OtherOperatingIncomeExpense	18418000000	gbp
CY2022	ifrs-full	Revenue Revenue	5808000000	gbp
CY2021	ifrs-full	Revenue Revenue	37444000000	gbp
CY2020	ifrs-full	Revenue Revenue	29167000000	gbp
CY2022	lyg	Insurance Claims And Changes In Insurance And Investment Contract Liabilities InsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	12401000000	gbp
CY2021	lyg	Insurance Claims And Changes In Insurance And Investment Contract Liabilities InsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	-21120000000	gbp
CY2020	lyg	Insurance Claims And Changes In Insurance And Investment Contract Liabilities InsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	-14041000000	gbp
CY2022	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	18209000000	gbp
CY2021	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	16324000000	gbp
CY2020	lyg	Revenue Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities RevenueNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	15126000000	gbp
CY2022	ifrs-full	Operating Expense OperatingExpense	9759000000	gbp
CY2021	ifrs-full	Operating Expense OperatingExpense	10800000000	gbp
CY2020	ifrs-full	Operating Expense OperatingExpense	9745000000	gbp
CY2022	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	1522000000	gbp
CY2021	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	-1378000000	gbp
CY2020	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	4155000000	gbp
CY2021	ifrs-full	Profit Loss Attributable To Owners Of Parent ProfitLossAttributableToOwnersOfParent	5784000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6928000000	gbp
CY2021	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6902000000	gbp
CY2020	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	1226000000	gbp
CY2022	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1373000000	gbp
CY2021	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1017000000	gbp
CY2020	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	-161000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	5555000000	gbp
CY2021	ifrs-full	Profit Loss ProfitLoss	5885000000	gbp
CY2020	ifrs-full	Profit Loss ProfitLoss	1387000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	5021000000	gbp
CY2021	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	5355000000	gbp
CY2020	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	865000000	gbp
CY2022	lyg	Profit Loss Attributable To Other Equity Holders ProfitLossAttributableToOtherEquityHolders	438000000	gbp
CY2021	lyg	Profit Loss Attributable To Other Equity Holders ProfitLossAttributableToOtherEquityHolders	429000000	gbp
CY2020	lyg	Profit Loss Attributable To Other Equity Holders ProfitLossAttributableToOtherEquityHolders	453000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Owners Of Parent ProfitLossAttributableToOwnersOfParent	5459000000	gbp
CY2020	ifrs-full	Profit Loss Attributable To Owners Of Parent ProfitLossAttributableToOwnersOfParent	1318000000	gbp
CY2022	ifrs-full	Profit Loss Attributable To Noncontrolling Interests ProfitLossAttributableToNoncontrollingInterests	96000000	gbp
CY2021	ifrs-full	Profit Loss Attributable To Noncontrolling Interests ProfitLossAttributableToNoncontrollingInterests	101000000	gbp
CY2020	ifrs-full	Profit Loss Attributable To Noncontrolling Interests ProfitLossAttributableToNoncontrollingInterests	69000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	5555000000	gbp
CY2021	ifrs-full	Profit Loss ProfitLoss	5885000000	gbp
CY2020	ifrs-full	Profit Loss ProfitLoss	1387000000	gbp
CY2022	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.073
CY2021	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.075
CY2020	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.012
CY2022	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.072
CY2021	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.075
CY2020	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.012
CY2022	ifrs-full	Profit Loss ProfitLoss	5555000000	gbp
CY2021	ifrs-full	Profit Loss ProfitLoss	5885000000	gbp
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CY2021	ifrs-full	Other Comprehensive Income Before Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	1720000000	gbp
CY2020	ifrs-full	Other Comprehensive Income Before Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeBeforeTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	138000000	gbp
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CY2020	ifrs-full	Income Tax Relating To Remeasurements Of Defined Benefit Plans Of Other Comprehensive Income IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome	25000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	-2152000000	gbp
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CY2022	ifrs-full	Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments	44000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeBeforeTaxGainsLossesFromInvestmentsInEquityInstruments	61000000	gbp
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CY2022	ifrs-full	Income Tax Relating To Investments In Equity Instruments Of Other Comprehensive Income IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome	-3000000	gbp
CY2021	ifrs-full	Income Tax Relating To Investments In Equity Instruments Of Other Comprehensive Income IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome	4000000	gbp
CY2020	ifrs-full	Income Tax Relating To Investments In Equity Instruments Of Other Comprehensive Income IncomeTaxRelatingToInvestmentsInEquityInstrumentsOfOtherComprehensiveIncome	16000000	gbp
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CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses From Investments In Equity Instruments OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments	57000000	gbp
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CY2021	lyg	Gains Losses Attributable To Own Credit Risk Before Tax GainsLossesAttributableToOwnCreditRiskBeforeTax	-86000000	gbp
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CY2021	lyg	Gains Losses Attributable To Own Credit Risk After Tax GainsLossesAttributableToOwnCreditRiskAfterTax	-52000000	gbp
CY2020	lyg	Gains Losses Attributable To Own Credit Risk After Tax GainsLossesAttributableToOwnCreditRiskAfterTax	-55000000	gbp
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CY2021	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	133000000	gbp
CY2020	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	46000000	gbp
CY2022	lyg	Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnDisposalOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	92000000	gbp
CY2021	lyg	Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnDisposalOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	-2000000	gbp
CY2020	lyg	Reclassification Adjustments On Disposal Of Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax ReclassificationAdjustmentsOnDisposalOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTax	149000000	gbp
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CY2021	lyg	Impairment Loss Recognised In Profit Or Loss Related To Movements In Revaluation Reserve ImpairmentLossRecognisedInProfitOrLossRelatedToMovementsInRevaluationReserve	2000000	gbp
CY2020	lyg	Impairment Loss Recognised In Profit Or Loss Related To Movements In Revaluation Reserve ImpairmentLossRecognisedInProfitOrLossRelatedToMovementsInRevaluationReserve	-5000000	gbp
CY2022	ifrs-full	Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-62000000	gbp
CY2021	ifrs-full	Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	25000000	gbp
CY2020	ifrs-full	Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-74000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-157000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	108000000	gbp
CY2020	ifrs-full	Other Comprehensive Income Net Of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income OtherComprehensiveIncomeNetOfTaxFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-24000000	gbp
CY2022	lyg	Effective Portion Of Changes In Fair Value Taken To Other Comprehensive Income EffectivePortionOfChangesInFairValueTakenToOtherComprehensiveIncome	-6990000000	gbp
CY2021	lyg	Effective Portion Of Changes In Fair Value Taken To Other Comprehensive Income EffectivePortionOfChangesInFairValueTakenToOtherComprehensiveIncome	-2279000000	gbp
CY2020	lyg	Effective Portion Of Changes In Fair Value Taken To Other Comprehensive Income EffectivePortionOfChangesInFairValueTakenToOtherComprehensiveIncome	730000000	gbp
CY2022	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	-43000000	gbp
CY2021	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	621000000	gbp
CY2020	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	496000000	gbp
CY2022	ifrs-full	Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome	-1928000000	gbp
CY2021	ifrs-full	Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome	-814000000	gbp
CY2020	ifrs-full	Income Tax Relating To Cash Flow Hedges Of Other Comprehensive Income IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome	109000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-5019000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-2086000000	gbp
CY2020	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	125000000	gbp
CY2020	lyg	Other Comprehensive Income Loss Foreign Currency Translation Adjustment Tax OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax	0	gbp
CY2021	lyg	Other Comprehensive Income Loss Foreign Currency Translation Adjustment Tax OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax	0	gbp
CY2022	lyg	Other Comprehensive Income Loss Foreign Currency Translation Adjustment Tax OtherComprehensiveIncomeLossForeignCurrencyTranslationAdjustmentTax	0	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Exchange Differences On Translation OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation	119000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Exchange Differences On Translation OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation	-39000000	gbp
CY2020	ifrs-full	Other Comprehensive Income Net Of Tax Exchange Differences On Translation OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation	4000000	gbp
CY2021	lyg	Transfers To Income Statement Tax TransfersToIncomeStatementTax	0	gbp
CY2020	lyg	Transfers To Income Statement Tax TransfersToIncomeStatementTax	0	gbp
CY2022	lyg	Transfers To Income Statement Tax TransfersToIncomeStatementTax	0	gbp
CY2022	lyg	Transfers To Income Statement TransfersToIncomeStatement	31000000	gbp
CY2021	lyg	Transfers To Income Statement TransfersToIncomeStatement	0	gbp
CY2020	lyg	Transfers To Income Statement TransfersToIncomeStatement	-13000000	gbp
CY2022	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	-88000000	gbp
CY2021	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	39000000	gbp
CY2020	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	-17000000	gbp
CY2022	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-6829000000	gbp
CY2021	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-950000000	gbp
CY2020	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	110000000	gbp
CY2022	ifrs-full	Comprehensive Income ComprehensiveIncome	-1274000000	gbp
CY2021	ifrs-full	Comprehensive Income ComprehensiveIncome	4935000000	gbp
CY2020	ifrs-full	Comprehensive Income ComprehensiveIncome	1497000000	gbp
CY2022	lyg	Total Comprehensive Income Attributable To Ordinary Shareholders TotalComprehensiveIncomeAttributableToOrdinaryShareholders	-1808000000	gbp
CY2021	lyg	Total Comprehensive Income Attributable To Ordinary Shareholders TotalComprehensiveIncomeAttributableToOrdinaryShareholders	4405000000	gbp
CY2020	lyg	Total Comprehensive Income Attributable To Ordinary Shareholders TotalComprehensiveIncomeAttributableToOrdinaryShareholders	975000000	gbp
CY2022	lyg	Total Comprehensive Income Attributable To Other Equity Holders TotalComprehensiveIncomeAttributableToOtherEquityHolders	438000000	gbp
CY2021	lyg	Total Comprehensive Income Attributable To Other Equity Holders TotalComprehensiveIncomeAttributableToOtherEquityHolders	429000000	gbp
CY2020	lyg	Total Comprehensive Income Attributable To Other Equity Holders TotalComprehensiveIncomeAttributableToOtherEquityHolders	453000000	gbp
CY2022	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	-1370000000	gbp
CY2021	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	4834000000	gbp
CY2020	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	1428000000	gbp
CY2022	ifrs-full	Comprehensive Income Attributable To Noncontrolling Interests ComprehensiveIncomeAttributableToNoncontrollingInterests	96000000	gbp
CY2021	ifrs-full	Comprehensive Income Attributable To Noncontrolling Interests ComprehensiveIncomeAttributableToNoncontrollingInterests	101000000	gbp
CY2020	ifrs-full	Comprehensive Income Attributable To Noncontrolling Interests ComprehensiveIncomeAttributableToNoncontrollingInterests	69000000	gbp
CY2022	ifrs-full	Comprehensive Income ComprehensiveIncome	-1274000000	gbp
CY2021	ifrs-full	Comprehensive Income ComprehensiveIncome	4935000000	gbp
CY2020	ifrs-full	Comprehensive Income ComprehensiveIncome	1497000000	gbp
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2021Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	76420000000	gbp
CY2022Q4	ifrs-full	Items In Course Of Collection From Other Banks ItemsInCourseOfCollectionFromOtherBanks	242000000	gbp
CY2021Q4	ifrs-full	Items In Course Of Collection From Other Banks ItemsInCourseOfCollectionFromOtherBanks	147000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	180609000000	gbp
CY2021Q4	ifrs-full	Reinsurance Assets ReinsuranceAssets	759000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	206771000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22051000000	gbp
CY2022Q4	ifrs-full	Loans And Advances To Banks LoansAndAdvancesToBanks	10632000000	gbp
CY2021Q4	ifrs-full	Loans And Advances To Banks LoansAndAdvancesToBanks	7001000000	gbp
CY2022Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	454899000000	gbp
CY2021Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	448567000000	gbp
CY2022Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	44865000000	gbp
CY2021Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	54753000000	gbp
CY2022Q4	ifrs-full	Debt Instruments Held DebtInstrumentsHeld	9926000000	gbp
CY2021Q4	ifrs-full	Debt Instruments Held DebtInstrumentsHeld	6835000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	520322000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	517156000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Other Comprehensive Income FinancialAssetsAtFairValueThroughOtherComprehensiveIncome	23154000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Fair Value Through Other Comprehensive Income FinancialAssetsAtFairValueThroughOtherComprehensiveIncome	28137000000	gbp
CY2022Q4	ifrs-full	Reinsurance Assets ReinsuranceAssets	616000000	gbp
CY2022Q4	ifrs-full	Investments In Subsidiaries Joint Ventures And Associates InvestmentsInSubsidiariesJointVenturesAndAssociates	385000000	gbp
CY2021Q4	ifrs-full	Investments In Subsidiaries Joint Ventures And Associates InvestmentsInSubsidiariesJointVenturesAndAssociates	352000000	gbp
CY2022Q4	ifrs-full	Goodwill Goodwill	2655000000	gbp
CY2021Q4	ifrs-full	Goodwill Goodwill	2320000000	gbp
CY2022Q4	lyg	Value Of Inforce Business ValueOfInforceBusiness	5419000000	gbp
CY2021Q4	lyg	Value Of Inforce Business ValueOfInforceBusiness	5514000000	gbp
CY2022Q4	ifrs-full	Other Intangible Assets OtherIntangibleAssets	4786000000	gbp
CY2021Q4	ifrs-full	Other Intangible Assets OtherIntangibleAssets	4196000000	gbp
CY2022Q4	ifrs-full	Current Tax Assets CurrentTaxAssets	612000000	gbp
CY2021Q4	ifrs-full	Current Tax Assets CurrentTaxAssets	363000000	gbp
CY2022Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	5228000000	gbp
CY2021Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	3118000000	gbp
CY2022Q4	ifrs-full	Recognised Assets Defined Benefit Plan RecognisedAssetsDefinedBenefitPlan	3823000000	gbp
CY2021Q4	ifrs-full	Recognised Assets Defined Benefit Plan RecognisedAssetsDefinedBenefitPlan	4531000000	gbp
CY2022Q4	ifrs-full	Other Assets OtherAssets	13837000000	gbp
CY2021Q4	ifrs-full	Other Assets OtherAssets	14690000000	gbp
CY2022Q4	ifrs-full	Assets Assets	877829000000	gbp
CY2021Q4	ifrs-full	Assets Assets	886525000000	gbp
CY2022Q4	ifrs-full	Deposits From Banks DepositsFromBanks	7266000000	gbp
CY2021Q4	ifrs-full	Deposits From Banks DepositsFromBanks	7647000000	gbp
CY2022Q4	ifrs-full	Deposits From Customers DepositsFromCustomers	475331000000	gbp
CY2021Q4	ifrs-full	Deposits From Customers DepositsFromCustomers	476344000000	gbp
CY2022Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	48596000000	gbp
CY2021Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	31125000000	gbp
CY2022Q4	ifrs-full	Items In Course Of Transmission To Other Banks ItemsInCourseOfTransmissionToOtherBanks	372000000	gbp
CY2021Q4	ifrs-full	Items In Course Of Transmission To Other Banks ItemsInCourseOfTransmissionToOtherBanks	316000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2021Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	23123000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	18060000000	gbp
CY2022Q4	lyg	Notes In Circulation NotesInCirculation	1280000000	gbp
CY2021Q4	lyg	Notes In Circulation NotesInCirculation	1321000000	gbp
CY2022Q4	ifrs-full	Debt Securities DebtSecurities	73819000000	gbp
CY2021Q4	ifrs-full	Debt Securities DebtSecurities	71552000000	gbp
CY2022Q4	lyg	Liabilities Arising From Insurance Contracts And Participating Investment Contracts LiabilitiesArisingFromInsuranceContractsAndParticipatingInvestmentContracts	106893000000	gbp
CY2021Q4	lyg	Liabilities Arising From Insurance Contracts And Participating Investment Contracts LiabilitiesArisingFromInsuranceContractsAndParticipatingInvestmentContracts	123423000000	gbp
CY2022Q4	lyg	Non Participating Investment Contract Liability NonParticipatingInvestmentContractLiability	42975000000	gbp
CY2021Q4	lyg	Non Participating Investment Contract Liability NonParticipatingInvestmentContractLiability	45040000000	gbp
CY2022Q4	ifrs-full	Other Liabilities OtherLiabilities	19090000000	gbp
CY2021Q4	ifrs-full	Other Liabilities OtherLiabilities	19947000000	gbp
CY2022Q4	ifrs-full	Recognised Liabilities Defined Benefit Plan RecognisedLiabilitiesDefinedBenefitPlan	126000000	gbp
CY2021Q4	ifrs-full	Recognised Liabilities Defined Benefit Plan RecognisedLiabilitiesDefinedBenefitPlan	230000000	gbp
CY2022Q4	ifrs-full	Current Tax Liabilities Current CurrentTaxLiabilitiesCurrent	8000000	gbp
CY2021Q4	ifrs-full	Current Tax Liabilities Current CurrentTaxLiabilitiesCurrent	6000000	gbp
CY2022Q4	ifrs-full	Deferred Tax Liabilities DeferredTaxLiabilities	216000000	gbp
CY2021Q4	ifrs-full	Deferred Tax Liabilities DeferredTaxLiabilities	39000000	gbp
CY2022Q4	ifrs-full	Other Provisions OtherProvisions	1809000000	gbp
CY2021Q4	ifrs-full	Other Provisions OtherProvisions	2092000000	gbp
CY2022Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10730000000	gbp
CY2021Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	13108000000	gbp
CY2022Q4	ifrs-full	Liabilities Liabilities	830308000000	gbp
CY2021Q4	ifrs-full	Liabilities Liabilities	833373000000	gbp
CY2022Q4	ifrs-full	Issued Capital IssuedCapital	6729000000	gbp
CY2021Q4	ifrs-full	Issued Capital IssuedCapital	7102000000	gbp
CY2022Q4	ifrs-full	Share Premium SharePremium	18504000000	gbp
CY2021Q4	ifrs-full	Share Premium SharePremium	18479000000	gbp
CY2022Q4	ifrs-full	Other Reserves OtherReserves	6602000000	gbp
CY2021Q4	ifrs-full	Other Reserves OtherReserves	11189000000	gbp
CY2022Q4	ifrs-full	Retained Earnings RetainedEarnings	10145000000	gbp
CY2021Q4	ifrs-full	Retained Earnings RetainedEarnings	10241000000	gbp
CY2022Q4	lyg	Equity Attributable To Owners Of Parent Excluding Other Equity Instruments EquityAttributableToOwnersOfParentExcludingOtherEquityInstruments	41980000000	gbp
CY2021Q4	lyg	Equity Attributable To Owners Of Parent Excluding Other Equity Instruments EquityAttributableToOwnersOfParentExcludingOtherEquityInstruments	47011000000	gbp
CY2022Q4	lyg	Other Equity Instruments OtherEquityInstruments	5297000000	gbp
CY2021Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2022Q4	ifrs-full	Equity Attributable To Owners Of Parent EquityAttributableToOwnersOfParent	47277000000	gbp
CY2021Q4	ifrs-full	Equity Attributable To Owners Of Parent EquityAttributableToOwnersOfParent	52917000000	gbp
CY2022Q4	ifrs-full	Noncontrolling Interests NoncontrollingInterests	244000000	gbp
CY2021Q4	ifrs-full	Noncontrolling Interests NoncontrollingInterests	235000000	gbp
CY2022Q4	ifrs-full	Equity Equity	47521000000	gbp
CY2021Q4	ifrs-full	Equity Equity	53152000000	gbp
CY2022Q4	ifrs-full	Equity And Liabilities EquityAndLiabilities	877829000000	gbp
CY2021Q4	ifrs-full	Equity And Liabilities EquityAndLiabilities	886525000000	gbp
CY2021Q4	ifrs-full	Equity Equity	53152000000	gbp
CY2022	ifrs-full	Profit Loss ProfitLoss	5555000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	-2152000000	gbp
CY2022	lyg	Gains Losses Attributable To Own Credit Risk After Tax GainsLossesAttributableToOwnCreditRiskAfterTax	364000000	gbp
CY2022	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-5019000000	gbp
CY2022	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	-88000000	gbp
CY2022	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-6829000000	gbp
CY2022	ifrs-full	Comprehensive Income ComprehensiveIncome	-1274000000	gbp
CY2022	ifrs-full	Dividends Paid DividendsPaid	1567000000	gbp
CY2022	lyg	Coupon Paid To Other Equity Holders Net Of Tax CouponPaidToOtherEquityHoldersNetOfTax	438000000	gbp
CY2022	ifrs-full	Issue Of Equity IssueOfEquity	105000000	gbp
CY2022	lyg	Share Buyback ShareBuyback	-2013000000	gbp
CY2022	lyg	Issue Of Other Equity Instruments IssueOfOtherEquityInstruments	745000000	gbp
CY2022	ifrs-full	Increase Decrease Through Transfers And Other Changes Equity IncreaseDecreaseThroughTransfersAndOtherChangesEquity	-1395000000	gbp
CY2022	ifrs-full	Increase Decrease Through Treasury Share Transactions IncreaseDecreaseThroughTreasuryShareTransactions	-20000000	gbp
CY2022	lyg	Adjustments For Share Option Awards AdjustmentsForShareOptionAwards	41000000	gbp
CY2022	lyg	Adjustments For Share Based Awards Excluding Options AdjustmentsForShareBasedAwardsExcludingOptions	183000000	gbp
CY2022	ifrs-full	Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss Of Control Equity Attributable To Owners Of Parent IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControlEquityAttributableToOwnersOfParent	2000000	gbp
CY2022	ifrs-full	Increase Decrease Through Transactions With Owners IncreaseDecreaseThroughTransactionsWithOwners	-4357000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net Of Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax	0	gbp
CY2022Q4	ifrs-full	Equity Equity	47521000000	gbp
CY2022	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	-1370000000	gbp
CY2021	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	4834000000	gbp
CY2020	ifrs-full	Comprehensive Income Attributable To Owners Of Parent ComprehensiveIncomeAttributableToOwnersOfParent	1428000000	gbp
CY2020Q4	ifrs-full	Equity Equity	49413000000	gbp
CY2021	ifrs-full	Profit Loss ProfitLoss	5885000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	1062000000	gbp
CY2021	lyg	Gains Losses Attributable To Own Credit Risk After Tax GainsLossesAttributableToOwnCreditRiskAfterTax	-52000000	gbp
CY2021	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	-2086000000	gbp
CY2021	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	39000000	gbp
CY2021	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	-950000000	gbp
CY2021	ifrs-full	Comprehensive Income ComprehensiveIncome	4935000000	gbp
CY2021	ifrs-full	Dividends Paid DividendsPaid	970000000	gbp
CY2021	lyg	Coupon Paid To Other Equity Holders Net Of Tax CouponPaidToOtherEquityHoldersNetOfTax	429000000	gbp
CY2021	ifrs-full	Issue Of Equity IssueOfEquity	37000000	gbp
CY2021	ifrs-full	Increase Decrease Through Treasury Share Transactions IncreaseDecreaseThroughTreasuryShareTransactions	-13000000	gbp
CY2021	lyg	Adjustments For Share Option Awards AdjustmentsForShareOptionAwards	51000000	gbp
CY2021	lyg	Adjustments For Share Based Awards Excluding Options AdjustmentsForShareBasedAwardsExcludingOptions	131000000	gbp
CY2021	ifrs-full	Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss Of Control Equity Attributable To Owners Of Parent IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControlEquityAttributableToOwnersOfParent	-3000000	gbp
CY2021	ifrs-full	Increase Decrease Through Transactions With Owners IncreaseDecreaseThroughTransactionsWithOwners	-1196000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net Of Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax	0	gbp
CY2021Q4	ifrs-full	Equity Equity	53152000000	gbp
CY2019Q4	ifrs-full	Equity Equity	47806000000	gbp
CY2020	ifrs-full	Profit Loss ProfitLoss	1387000000	gbp
CY2020	ifrs-full	Other Comprehensive Income Net Of Tax Gains Losses On Remeasurements Of Defined Benefit Plans OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans	113000000	gbp
CY2020	lyg	Gains Losses Attributable To Own Credit Risk After Tax GainsLossesAttributableToOwnCreditRiskAfterTax	-55000000	gbp
CY2020	ifrs-full	Other Comprehensive Income Net Of Tax Cash Flow Hedges OtherComprehensiveIncomeNetOfTaxCashFlowHedges	125000000	gbp
CY2020	ifrs-full	Increase Decrease Through Foreign Exchange And Other Movements Financial Assets IncreaseDecreaseThroughForeignExchangeAndOtherMovementsFinancialAssets	-17000000	gbp
CY2020	ifrs-full	Other Comprehensive Income OtherComprehensiveIncome	110000000	gbp
CY2020	ifrs-full	Comprehensive Income ComprehensiveIncome	1497000000	gbp
CY2020	ifrs-full	Dividends Paid DividendsPaid	41000000	gbp
CY2020	lyg	Coupon Paid To Other Equity Holders Net Of Tax CouponPaidToOtherEquityHoldersNetOfTax	453000000	gbp
CY2020	ifrs-full	Issue Of Equity IssueOfEquity	191000000	gbp
CY2020	ifrs-full	Increase Decrease Through Treasury Share Transactions IncreaseDecreaseThroughTreasuryShareTransactions	293000000	gbp
CY2020	lyg	Adjustments For Share Option Awards AdjustmentsForShareOptionAwards	48000000	gbp
CY2020	lyg	Adjustments For Share Based Awards Excluding Options AdjustmentsForShareBasedAwardsExcludingOptions	74000000	gbp
CY2020	ifrs-full	Increase Decrease Through Changes In Ownership Interests In Subsidiaries That Do Not Result In Loss Of Control Equity Attributable To Owners Of Parent IncreaseDecreaseThroughChangesInOwnershipInterestsInSubsidiariesThatDoNotResultInLossOfControlEquityAttributableToOwnersOfParent	-2000000	gbp
CY2020	ifrs-full	Increase Decrease Through Transactions With Owners IncreaseDecreaseThroughTransactionsWithOwners	110000000	gbp
CY2020	ifrs-full	Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net Of Tax GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax	0	gbp
CY2020Q4	ifrs-full	Equity Equity	49413000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6928000000	gbp
CY2021	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6902000000	gbp
CY2020	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	1226000000	gbp
CY2022	lyg	Adjustments For Decrease Increase In Operating Assets AdjustmentsForDecreaseIncreaseInOperatingAssets	17037000000	gbp
CY2021	lyg	Adjustments For Decrease Increase In Operating Assets AdjustmentsForDecreaseIncreaseInOperatingAssets	-10365000000	gbp
CY2020	lyg	Adjustments For Decrease Increase In Operating Assets AdjustmentsForDecreaseIncreaseInOperatingAssets	-17668000000	gbp
CY2022	lyg	Adjustments For Decrease Increase In Operating Liabilities AdjustmentsForDecreaseIncreaseInOperatingLiabilities	15593000000	gbp
CY2021	lyg	Adjustments For Decrease Increase In Operating Liabilities AdjustmentsForDecreaseIncreaseInOperatingLiabilities	4954000000	gbp
CY2020	lyg	Adjustments For Decrease Increase In Operating Liabilities AdjustmentsForDecreaseIncreaseInOperatingLiabilities	35737000000	gbp
CY2022	lyg	Adjustments For Noncash And Other Items AdjustmentsForNoncashAndOtherItems	-16804000000	gbp
CY2021	lyg	Adjustments For Noncash And Other Items AdjustmentsForNoncashAndOtherItems	6063000000	gbp
CY2020	lyg	Adjustments For Noncash And Other Items AdjustmentsForNoncashAndOtherItems	9594000000	gbp
CY2022	ifrs-full	Income Taxes Paid Refund Classified As Operating Activities IncomeTaxesPaidRefundClassifiedAsOperatingActivities	743000000	gbp
CY2021	ifrs-full	Income Taxes Paid Refund Classified As Operating Activities IncomeTaxesPaidRefundClassifiedAsOperatingActivities	796000000	gbp
CY2020	ifrs-full	Income Taxes Paid Refund Classified As Operating Activities IncomeTaxesPaidRefundClassifiedAsOperatingActivities	736000000	gbp
CY2022	ifrs-full	Cash Flows From Used In Operating Activities CashFlowsFromUsedInOperatingActivities	22011000000	gbp
CY2021	ifrs-full	Cash Flows From Used In Operating Activities CashFlowsFromUsedInOperatingActivities	6758000000	gbp
CY2020	ifrs-full	Cash Flows From Used In Operating Activities CashFlowsFromUsedInOperatingActivities	28153000000	gbp
CY2022	ifrs-full	Purchase Of Financial Instruments Classified As Investing Activities PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities	7984000000	gbp
CY2021	ifrs-full	Purchase Of Financial Instruments Classified As Investing Activities PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities	8984000000	gbp
CY2020	ifrs-full	Purchase Of Financial Instruments Classified As Investing Activities PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities	8589000000	gbp
CY2022	ifrs-full	Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities	11172000000	gbp
CY2021	ifrs-full	Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities	8287000000	gbp
CY2020	ifrs-full	Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities	6347000000	gbp
CY2022	ifrs-full	Purchase Of Property Plant And Equipment Classified As Investing Activities PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	3855000000	gbp
CY2021	ifrs-full	Purchase Of Property Plant And Equipment Classified As Investing Activities PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	3228000000	gbp
CY2020	ifrs-full	Purchase Of Property Plant And Equipment Classified As Investing Activities PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	2901000000	gbp
CY2022	ifrs-full	Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	1550000000	gbp
CY2021	ifrs-full	Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	1437000000	gbp
CY2020	ifrs-full	Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	1146000000	gbp
CY2022	lyg	Repayment Of Capital By Joint Ventures And Associates Classified As Investing Activities RepaymentOfCapitalByJointVenturesAndAssociatesClassifiedAsInvestingActivities	36000000	gbp
CY2021	lyg	Repayment Of Capital By Joint Ventures And Associates Classified As Investing Activities RepaymentOfCapitalByJointVenturesAndAssociatesClassifiedAsInvestingActivities	0	gbp
CY2020	lyg	Repayment Of Capital By Joint Ventures And Associates Classified As Investing Activities RepaymentOfCapitalByJointVenturesAndAssociatesClassifiedAsInvestingActivities	0	gbp
CY2022	ifrs-full	Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities	409000000	gbp
CY2021	ifrs-full	Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities	57000000	gbp
CY2020	ifrs-full	Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities	3000000	gbp
CY2022	ifrs-full	Cash Flows From Used In Investing Activities CashFlowsFromUsedInInvestingActivities	510000000	gbp
CY2021	ifrs-full	Cash Flows From Used In Investing Activities CashFlowsFromUsedInInvestingActivities	-2545000000	gbp
CY2020	ifrs-full	Cash Flows From Used In Investing Activities CashFlowsFromUsedInInvestingActivities	-4000000000	gbp
CY2022	ifrs-full	Dividends Paid To Equity Holders Of Parent Classified As Financing Activities DividendsPaidToEquityHoldersOfParentClassifiedAsFinancingActivities	1475000000	gbp
CY2021	ifrs-full	Dividends Paid To Equity Holders Of Parent Classified As Financing Activities DividendsPaidToEquityHoldersOfParentClassifiedAsFinancingActivities	877000000	gbp
CY2020	ifrs-full	Dividends Paid To Equity Holders Of Parent Classified As Financing Activities DividendsPaidToEquityHoldersOfParentClassifiedAsFinancingActivities	0	gbp
CY2022	lyg	Distributions On Other Equity Instruments DistributionsOnOtherEquityInstruments	438000000	gbp
CY2021	lyg	Distributions On Other Equity Instruments DistributionsOnOtherEquityInstruments	429000000	gbp
CY2020	lyg	Distributions On Other Equity Instruments DistributionsOnOtherEquityInstruments	453000000	gbp
CY2022	ifrs-full	Dividends Paid To Noncontrolling Interests Classified As Financing Activities DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities	92000000	gbp
CY2021	ifrs-full	Dividends Paid To Noncontrolling Interests Classified As Financing Activities DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities	93000000	gbp
CY2020	ifrs-full	Dividends Paid To Noncontrolling Interests Classified As Financing Activities DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities	41000000	gbp
CY2022	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	603000000	gbp
CY2021	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	1303000000	gbp
CY2020	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	1095000000	gbp
CY2022	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	838000000	gbp
CY2021	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	499000000	gbp
CY2020	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	0	gbp
CY2022	ifrs-full	Proceeds From Issuing Other Equity Instruments ProceedsFromIssuingOtherEquityInstruments	745000000	gbp
CY2021	ifrs-full	Proceeds From Issuing Other Equity Instruments ProceedsFromIssuingOtherEquityInstruments	0	gbp
CY2020	ifrs-full	Proceeds From Issuing Other Equity Instruments ProceedsFromIssuingOtherEquityInstruments	0	gbp
CY2022	ifrs-full	Proceeds From Issue Of Ordinary Shares ProceedsFromIssueOfOrdinaryShares	31000000	gbp
CY2021	ifrs-full	Proceeds From Issue Of Ordinary Shares ProceedsFromIssueOfOrdinaryShares	25000000	gbp
CY2020	ifrs-full	Proceeds From Issue Of Ordinary Shares ProceedsFromIssueOfOrdinaryShares	144000000	gbp
CY2022	ifrs-full	Cancellation Of Treasury Shares CancellationOfTreasuryShares	2013000000	gbp
CY2021	ifrs-full	Cancellation Of Treasury Shares CancellationOfTreasuryShares	0	gbp
CY2020	ifrs-full	Cancellation Of Treasury Shares CancellationOfTreasuryShares	0	gbp
CY2022	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	2216000000	gbp
CY2021	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	1056000000	gbp
CY2020	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	3874000000	gbp
CY2022	lyg	Redemptions Of Other Equity Instruments RedemptionsOfOtherEquityInstruments	1395000000	gbp
CY2021	lyg	Redemptions Of Other Equity Instruments RedemptionsOfOtherEquityInstruments	0	gbp
CY2020	lyg	Redemptions Of Other Equity Instruments RedemptionsOfOtherEquityInstruments	0	gbp
CY2022	ifrs-full	Proceeds From Changes In Ownership Interests In Subsidiaries ProceedsFromChangesInOwnershipInterestsInSubsidiaries	5000000	gbp
CY2021	ifrs-full	Proceeds From Changes In Ownership Interests In Subsidiaries ProceedsFromChangesInOwnershipInterestsInSubsidiaries	0	gbp
CY2020	ifrs-full	Proceeds From Changes In Ownership Interests In Subsidiaries ProceedsFromChangesInOwnershipInterestsInSubsidiaries	0	gbp
CY2022	ifrs-full	Cash Flows From Used In Financing Activities CashFlowsFromUsedInFinancingActivities	-6613000000	gbp
CY2021	ifrs-full	Cash Flows From Used In Financing Activities CashFlowsFromUsedInFinancingActivities	-3234000000	gbp
CY2020	ifrs-full	Cash Flows From Used In Financing Activities CashFlowsFromUsedInFinancingActivities	-5319000000	gbp
CY2022	ifrs-full	Effect Of Exchange Rate Changes On Cash And Cash Equivalents EffectOfExchangeRateChangesOnCashAndCashEquivalents	727000000	gbp
CY2021	ifrs-full	Effect Of Exchange Rate Changes On Cash And Cash Equivalents EffectOfExchangeRateChangesOnCashAndCashEquivalents	70000000	gbp
CY2020	ifrs-full	Effect Of Exchange Rate Changes On Cash And Cash Equivalents EffectOfExchangeRateChangesOnCashAndCashEquivalents	-196000000	gbp
CY2022	ifrs-full	Increase Decrease In Cash And Cash Equivalents IncreaseDecreaseInCashAndCashEquivalents	16635000000	gbp
CY2021	ifrs-full	Increase Decrease In Cash And Cash Equivalents IncreaseDecreaseInCashAndCashEquivalents	1049000000	gbp
CY2020	ifrs-full	Increase Decrease In Cash And Cash Equivalents IncreaseDecreaseInCashAndCashEquivalents	18638000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	79194000000	gbp
CY2020Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	78145000000	gbp
CY2019Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	59507000000	gbp
CY2022Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	95829000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	79194000000	gbp
CY2020Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	78145000000	gbp
CY2022	ifrs-full	Disclosure Of Basis Of Preparation Of Financial Statements Explanatory DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 1: BASIS OF PREPARATION</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The consolidated financial statements of Lloyds Banking Group plc and its subsidiary undertakings (the Group) have been prepared in accordance with International Financial Reporting Standards as issued by the International Accounting Standards Board (IASB).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The financial information has been prepared under the historical cost convention, as modified by the revaluation of investment properties, financial assets measured at fair value through other comprehensive income, trading securities and certain other financial assets and liabilities at fair value through profit or loss and all derivative contracts. The directors consider that it is appropriate to continue to adopt the going concern basis in preparing the financial statements. In reaching this assessment, the directors have considered the impact of climate change upon the Group’s performance and projected funding and capital position. The directors have also taken into account the results from stress testing scenarios.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Details of those IFRS pronouncements which will be relevant to the Group but which were not effective at 31 December 2022 and which have not been applied in preparing these financial statements are given in note 55.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In April 2022, the IFRS Interpretations Committee was asked to consider whether an entity includes a demand deposit as a component of cash and cash equivalents in the statement of cash flows when the demand deposit is subject to contractual restrictions on use agreed with a third party. It concluded that such amounts should be included within cash and cash equivalents. Accordingly, the Group includes mandatory reserve deposits with central banks that are held in demand accounts within cash and cash equivalents disclosed in the cash flow statement. This change has increased the Group’s cash and cash equivalents at 1 January 2020 by £1,696 million (to £59,507 million) and decreased the adjustment for the change in operating assets in 2020 by £982 million (to a reduction of £17,668 million) resulting in an increase in the Group’s cash and cash equivalents at 31 December 2020 of £2,678 million (to £78,145 million); and decreased the adjustment for the change in operating assets in 2021 by £137 million (to a reduction of £10,365 million) and, as a result, the Group’s cash and cash equivalents at 31 December 2021 increased by £2,815 million (to £79,194 million). The change had no impact on profit after tax, total equity or the Group’s earnings per share.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In 2021, the Group adopted the </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest Rate Benchmark Reform</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Phase 2 amendments issued by the IASB. These amendments require that changes to expected future cash flows that both arise as a direct result of IBOR Reform and are economically equivalent to the previous cash flows are accounted for as a change to the effective interest rate with no adjustment to the asset’s or liability’s carrying value; no immediate gain or loss is recognised. The requirements also provide relief from the requirements to discontinue hedge accounting as a result of amending hedge documentation if the changes are required solely as a result of IBOR Reform.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following change has been made to the presentation of the Group’s assets on the face of the balance sheet:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Reinsurance assets are shown separately from other assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There has been no change in the basis of accounting for any of the underlying transactions. Comparatives have been presented on a consistent basis.</span></div>
CY2020Q1	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	59507000000	gbp
CY2020	lyg	Adjustments For Decrease Increase In Operating Assets AdjustmentsForDecreaseIncreaseInOperatingAssets	-17668000000	gbp
CY2020Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	78145000000	gbp
CY2021	lyg	Adjustments For Decrease Increase In Operating Assets AdjustmentsForDecreaseIncreaseInOperatingAssets	-10365000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	79194000000	gbp
CY2022	ifrs-full	Disclosure Of Summary Of Significant Accounting Policies Explanatory DisclosureOfSummaryOfSignificantAccountingPoliciesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 2: ACCOUNTING POLICIES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s accounting policies are set out below. These accounting policies have been applied consistently.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Consolidation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The assets, liabilities and results of Group undertakings (including structured entities) are included in the financial statements on the basis of accounts made up to the reporting date. Group undertakings include subsidiaries, associates and joint ventures.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Subsidiaries</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subsidiaries are entities controlled by the Group. The Group controls an entity when it has power over the entity, is exposed to, or has rights to, variable returns from its involvement with the entity, and has the ability to affect those returns through the exercise of its power. This generally accompanies a shareholding of more than one half of the voting rights although in certain circumstances a holding of less than one half of the voting rights may still result in the ability of the Group to exercise control. The existence and effect of potential voting rights that are currently exercisable or convertible are considered when assessing whether the Group controls another entity. The Group reassesses whether or not it controls an entity if facts and circumstances indicate that there have been changes to any of the above elements. Subsidiaries are fully consolidated from the date on which control is transferred to the Group; they are de-consolidated from the date that control ceases.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group consolidates collective investment vehicles if its beneficial ownership interests give it substantive rights to remove the external fund manager of the investment activities of the fund. Where a subsidiary of the Group is the fund manager of a collective investment vehicle, the Group considers a number of factors in determining whether it acts as principal, and therefore controls the collective investment vehicle, including: an assessment of the scope of the Group’s decision-making authority over the investment vehicle; the rights held by other parties including substantive removal rights without cause over the Group acting as fund manager; the remuneration to which the Group is entitled in its capacity as decision-maker; and the Group’s exposure to variable returns from the beneficial interest that it holds in the investment vehicle. Consolidation may be appropriate in circumstances where the Group has less than a majority beneficial interest. Where a collective investment vehicle is consolidated the interests of parties other than the Group are reported in other liabilities and the movement in those interests in interest expense.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Structured entities are entities that are designed so that their activities are not governed by way of voting rights. In assessing whether the Group has power over such entities in which it has an interest, the Group considers factors such as the purpose and design of the entity; its practical ability to direct the relevant activities of the entity; the nature of the relationship with the entity; and the size of its exposure to the variability of returns of the entity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The treatment of transactions with non-controlling interests depends on whether, as a result of the transaction, the Group loses control of the subsidiary. Changes in the parent’s ownership interest in a subsidiary that do not result in a loss of control are accounted for as equity transactions; any difference between the amount by which the non-controlling interests are adjusted and the fair value of the consideration paid or received is recognised directly in equity and attributed to the owners of the parent entity. Where the Group loses control of the subsidiary, at the date when control is lost the amount of any non-controlling interest in that former subsidiary is derecognised and any investment retained in the former subsidiary is remeasured to its fair value; the gain or loss that is recognised in profit or loss on the partial disposal of the subsidiary includes the gain or loss on the remeasurement of the retained interest.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intercompany transactions, balances and unrealised gains and losses on transactions between Group companies are eliminated.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The acquisition method of accounting is used to account for business combinations by the Group. The consideration for the acquisition of a subsidiary is the fair value of the assets transferred, the liabilities incurred and the equity interests issued by the Group. The consideration includes the fair value of any asset or liability resulting from a contingent consideration arrangement. Acquisition-related costs are expensed as incurred except those relating to the issuance of debt instruments (see (E)(4) below) or share capital (see (P) below). Identifiable assets acquired and liabilities assumed in a business combination are measured initially at their fair value at the acquisition date.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Joint ventures and associates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Joint ventures are joint arrangements over which the Group has joint control with other parties and has rights to the net assets of the arrangements. Joint control is the contractually agreed sharing of control of an arrangement and only exists when decisions about the relevant activities require the unanimous consent of the parties sharing control. Associates are entities over which the Group has significant influence. Significant influence is the power to participate in the financial and operating policy decisions of the entity, but is not control or joint control of those policies, and is generally achieved through holding between 20 per cent and 50 per cent of the voting share capital of the entity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group utilises the venture capital exemption for investments where significant influence or joint control is present and the business unit operates as a venture capital business. These investments are designated on initial recognition at fair value through profit or loss. Otherwise, the Group’s investments in joint ventures and associates are accounted for using the equity method of accounting.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(B) Goodwill</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill arises on business combinations and represents the excess of the cost of an acquisition over the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities acquired. Where the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities of the acquired entity is greater than the cost of acquisition, the excess is recognised immediately in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill is recognised as an asset at cost and is tested at least annually for impairment. For impairment testing, goodwill is allocated to the cash generating unit (CGU) or groups of CGUs that are expected to benefit from the business combination. The Group's CGUs are largely product based for its Retail and Insurance businesses and client based for its Commercial Banking business. An impairment loss is recognised if the carrying amount of a CGU is determined to be greater than its recoverable amount. The recoverable amount of a CGU is the higher of its fair value less costs to sell and its value in use. If an impairment is identified the carrying value of the goodwill is written down immediately through the income statement and this is not subsequently reversed. At the date of disposal of a subsidiary, the carrying value of attributable goodwill is included in the calculation of the profit or loss on disposal.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(C) Other intangible assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets which have been determined to have a finite useful life are amortised on a straight-line basis over their estimated useful life as follows: up to 7 years for capitalised software; 10 to 15 years for brands and other intangible assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets with finite useful lives are reviewed at each reporting date to assess whether there is any indication that they are impaired. If any such indication exists the recoverable amount of the asset is determined and in the event that the asset’s carrying amount is greater than its recoverable amount, it is written down immediately. Certain brands have been determined to have an indefinite useful life and are not amortised. Such intangible assets are assessed annually to determine whether the asset is impaired and to reconfirm that an indefinite useful life remains appropriate. In the event that an indefinite life is inappropriate, a finite life is determined and a further impairment review is performed on the asset.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(D) Revenue recognition</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Net interest income</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income and expense are recognised in the income statement using the effective interest method for all interest-bearing financial instruments, except for those classified at fair value through profit or loss. The effective interest method is a method of calculating the amortised cost of a financial asset or liability and of allocating the interest income or interest expense over the expected life of the financial instrument. The effective interest rate is the rate that exactly discounts the estimated future cash payments or receipts over the expected life of the financial instrument to the gross carrying amount of the financial asset (before adjusting for expected credit losses) or to the amortised cost of the financial liability, including early redemption fees, other fees, and premiums and discounts that are an integral part of the overall return. In the case of financial assets that are purchased or originated credit-impaired, the effective interest rate is the rate that discounts the estimated future cash flows to the amortised cost of the instrument. Direct incremental transaction costs related to the acquisition, issue or disposal of a financial instrument are also taken into account. Interest income from non-credit impaired financial assets is recognised by applying the effective interest rate to the gross carrying amount of the asset; for credit impaired financial assets, the effective interest rate is applied to the net carrying amount after deducting the allowance for expected credit losses. Impairment policies are set out in (H) below.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Fee and commission income and expense</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fees and commissions receivable which are not an integral part of the effective interest rate are recognised as income as the Group fulfils its performance obligations. The Group’s principal performance obligations arising from contracts with customers are in respect of value added current accounts, credit cards and debit cards. These fees are received, and the Group provides the service, monthly; the fees are recognised in income on this basis. The Group also receives certain fees in respect of its asset finance business where the performance obligations are typically fulfilled towards the end of the customer contract; these fees are recognised in income on this basis. Where it is unlikely that the loan commitments will be drawn, loan commitment fees are recognised in fee and commission income over the life of the facility, rather than as an adjustment to the effective interest rate for the lending expected to be drawn. Incremental costs incurred to generate fee and commission income are charged to fee and commission expense as they are incurred.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3) Other</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend income is recognised when the right to receive payment is established.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revenue recognition policies specific to trading income are set out in (E)(3) below; those relating to life insurance and general insurance business are detailed below (see (M) below); and those relating to leases are set out in (J)(1) below.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(E) Financial assets and liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On initial recognition, financial assets are classified as measured at amortised cost, fair value through other comprehensive income or fair value through profit or loss, depending on the Group’s business model for managing those financial assets and whether the resultant cash flows represent solely payments of principal and interest. The Group assesses its business models at a portfolio level based on its objectives for the relevant portfolio, how the performance of the portfolio is managed and reported, and the frequency of asset sales. Financial assets with embedded derivatives are considered in their entirety when considering their cash flow characteristics. The Group reclassifies financial assets only when its business model for managing those assets changes. A reclassification will only take place when the change is significant to the Group’s operations and will occur at a portfolio level and not for individual instruments; reclassifications are expected to be rare. Equity investments are measured at fair value through profit or loss unless the Group elects at initial recognition to account for the instruments at fair value through other comprehensive income. For these instruments, principally strategic investments, dividends are recognised in profit or loss but fair value gains and losses are not subsequently reclassified to profit or loss following derecognition of the investment.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group initially recognises loans and advances, deposits, debt securities in issue and subordinated liabilities when the Group becomes a party to the contractual provisions of the instrument. Regular way purchases and sales of securities and other financial assets and trading liabilities are recognised on trade date, being the date that the Group is committed to purchase or sell an asset.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets are derecognised when the contractual right to receive cash flows from those assets has expired or when the Group has transferred its contractual right to receive the cash flows from the assets and either: substantially all of the risks and rewards of ownership have been transferred; or the Group has neither retained nor transferred substantially all of the risks and rewards, but has transferred control.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities are derecognised when the obligation is discharged, cancelled or expires.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Financial instruments measured at amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets that are held to collect contractual cash flows where those cash flows represent solely payments of principal and interest are measured at amortised cost. A basic lending arrangement results in contractual cash flows that are solely payments of principal and interest on the principal amount outstanding. Where the contractual cash flows introduce exposure to risks or volatility unrelated to a basic lending arrangement such as changes in equity prices or commodity prices, the payments do not comprise solely principal and interest. Financial assets measured at amortised cost are predominantly loans and advances to customers and banks, reverse repurchase agreements and certain debt securities used by the Group to manage its liquidity. Loans and advances and reverse repurchase agreements are initially recognised when cash is advanced to the borrower at fair value inclusive of transaction costs. Interest income is accounted for using the effective interest method (see (D) above).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities are measured at amortised cost, except for trading liabilities and other financial liabilities designated at fair value through profit or loss on initial recognition which are held at fair value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where changes are made to the contractual cash flows of a financial asset or financial liability that are economically equivalent and arise as a direct consequence of interest rate benchmark reform, the Group updates the effective interest rate and does not recognise an immediate gain or loss.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Financial assets measured at fair value through other comprehensive income</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets that are held to collect contractual cash flows and for subsequent sale, where the assets’ cash flows represent solely payments of principal and interest, are recognised in the balance sheet at their fair value, inclusive of transaction costs. Interest calculated using the effective interest method and foreign exchange gains and losses on assets denominated in foreign currencies are recognised in the income statement. All other gains and losses arising from changes in fair value are recognised directly in other comprehensive income, until the financial asset is either sold or matures, at which time the cumulative gain or loss previously recognised in other comprehensive income is recognised in the income statement; other than in respect of equity shares, for which the cumulative revaluation amount is transferred directly to retained profits. The Group recognises a charge for expected credit losses in the income statement (see (H) below). As the asset is measured at fair value, the charge does not adjust the carrying value of the asset, and this is reflected in other comprehensive income.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3) Financial instruments measured at fair value through profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets are classified at fair value through profit or loss where they do not meet the criteria to be measured at amortised cost or fair value through other comprehensive income or where they are designated at fair value through profit or loss to reduce an accounting mismatch. All derivatives are carried at fair value through profit or loss, other than those in effective cash flow and net investment hedging relationships. Derivatives are carried on the balance sheet as assets when their fair value is positive and as liabilities when their fair value is negative. Refer to note 49(3) (Financial instruments: Financial assets and liabilities carried at fair value) for details of valuation techniques and significant inputs to valuation models.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives embedded in a financial asset are not considered separately; the financial asset is considered in its entirety when determining whether its cash flows are solely payments of principal and interest. Derivatives embedded in financial liabilities and insurance contracts (unless the embedded derivative is itself an insurance contract) are treated as separate derivatives when their economic characteristics and risks are not closely related to those of the host contract and the host contract is not carried at fair value through profit or loss. These embedded derivatives are measured at fair value with changes in fair value recognised in the income statement. In accordance with IFRS 4 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Insurance Contracts</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">, a policyholder’s option to surrender an insurance contract for a fixed amount is not treated as an embedded derivative.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The assets backing the insurance and investment contracts issued by the Group do not meet the criteria to be measured at amortised cost or fair value through other comprehensive income as they are managed on a fair value basis and accordingly are measured at fair value through profit or loss. Similarly, trading securities, which are debt securities and equity shares acquired principally for the purpose of selling in the short term or which are part of a portfolio which is managed for short-term gains, do not meet these criteria and are also measured at fair value through profit or loss. Financial assets measured at fair value through profit or loss are recognised in the balance sheet at their fair value. Fair value gains and losses together with interest coupons and dividend income are recognised in the income statement within net trading income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities are measured at fair value through profit or loss where they are trading liabilities or where they are designated at fair value through profit or loss in order to reduce an accounting mismatch; where the liabilities are part of a group of liabilities (or assets and liabilities) which is managed, and its performance evaluated, on a fair value basis; or where the liabilities contain one or more embedded derivatives that significantly modify the cash flows arising under the contract and would otherwise need to be separately accounted for. Financial liabilities measured at fair value through profit or loss are recognised in the balance sheet at their fair value. Fair value gains and losses are recognised in the income statement within net trading income in the period in which they occur, except in the case of financial liabilities designated at fair value through profit or loss where gains and losses attributable to changes in own credit risk are recognised in other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair values of assets and liabilities traded in active markets are based on current bid and offer prices, respectively, which include the expected effects of potential changes to laws and regulations, risks associated with climate change and other factors. If the market is not active the Group establishes a fair value by using valuation techniques. The fair values of derivative financial instruments are adjusted where appropriate to reflect credit risk (via credit valuation adjustments (CVAs), debit valuation adjustments (DVAs) and funding valuation adjustments (FVAs)), market liquidity and other risks.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4) Borrowings</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Borrowings (which include deposits from banks, customer deposits, repurchase agreements, debt securities in issue and subordinated liabilities) are recognised initially at fair value, being their issue proceeds net of transaction costs incurred. These instruments are subsequently stated at amortised cost using the effective interest method.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Preference shares and other instruments which carry a mandatory coupon or are redeemable on a specific date are classified as financial liabilities. The coupon on these instruments is recognised in the income statement as interest expense. Securities which carry a discretionary coupon and have no fixed maturity or redemption date are classified as other equity instruments. Interest payments on these securities are recognised as distributions from equity in the period in which they are paid. An exchange of financial liabilities on substantially different terms is accounted for as an extinguishment of the original financial liability and the recognition of a new financial liability. The difference between the carrying amount of a financial liability extinguished and the new financial liability is recognised in profit or loss together with any related costs or fees incurred.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">When a financial liability is exchanged for an equity instrument, the new equity instrument is recognised at fair value and any difference between the carrying value of the liability and the fair value of the new equity instrument is recognised in profit or loss.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5) Sale and repurchase agreements (including securities lending and borrowing)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities sold subject to repurchase agreements (repos) continue to be recognised on the balance sheet where substantially all of the risks and rewards are retained. Funds received for repos carried at fair value are included within trading liabilities. Conversely, securities purchased under agreements to resell (reverse repos), where the Group does not acquire substantially all of the risks and rewards of ownership, are measured at amortised cost or at fair value. Those measured at fair value are recognised within trading securities. The difference between sale and repurchase price is treated as interest and accrued over the life of the agreements using the effective interest method.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities borrowing and lending transactions are typically secured; collateral takes the form of securities or cash advanced or received. Securities lent to counterparties are retained on the balance sheet. Securities borrowed are not recognised on the balance sheet, unless these are sold to third parties, in which case the obligation to return them is recorded at fair value as a trading liability. Cash collateral given or received is treated as a loan and advance measured at amortised cost or customer deposit.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(F) Hedge accounting</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As permitted by IFRS 9, the Group continues to apply the requirements of IAS 39 to its hedging relationships. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of all derivative instruments, other than those in effective cash flow and net investment hedging relationships, are recognised immediately in the income statement. As noted in (2) and (3) below, the change in fair value of a derivative in an effective cash flow or net investment hedging relationship is allocated between the income statement and other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge accounting allows one financial instrument, generally a derivative such as a swap, to be designated as a hedge of another financial instrument such as a loan or deposit or a portfolio of such instruments. At the inception of the hedge relationship, formal documentation is drawn up specifying the hedging strategy, the hedged item, the hedging instrument and the methodology that will be used to measure the effectiveness of the hedge relationship in offsetting changes in the fair value or cash flow of the hedged risk. The effectiveness of the hedging relationship is tested both at inception and throughout its life and if at any point it is concluded that it is no longer highly effective in achieving its documented objective, hedge accounting is discontinued. Note 17 provides details of the types of derivatives held by the Group and presents separately those designated in hedge relationships. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where there is uncertainty arising from interest rate benchmark reform, the Group assumes that the interest rate benchmark on which the hedged cash flows and/or the hedged risk are based, or the interest rate benchmark on which the cash flows of the hedging instrument are based, are not altered as a result of interest rate benchmark reform. The Group does not discontinue a hedging relationship during the period of uncertainty arising from the interest rate benchmark reform solely because the actual results of the hedge are not highly effective.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where the contractual terms of a financial asset, financial liability or derivative are amended, on an economically equivalent basis, as a direct consequence of interest rate benchmark reform, the uncertainty arising from the reform is no longer present. In these circumstances, the Group amends the hedge documentation to reflect the changes required by the reform; these changes to the documentation do not in and of themselves result in the discontinuation of hedge accounting or require the designation of a new hedge relationship.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Fair value hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of derivatives that are designated and qualify as fair value hedges are recorded in the income statement, together with the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk; this also applies if the hedged asset is classified as a financial asset at fair value through other comprehensive income. If the hedge no longer meets the criteria for hedge accounting, changes in the fair value of the hedged item attributable to the hedged risk are no longer recognised in the income statement. The cumulative adjustment that has been made to the carrying amount of the hedged item is amortised to the income statement using the effective interest method over the period to maturity.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Cash flow hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow hedges is recognised in other comprehensive income in the cash flow hedging reserve. The gain or loss relating to the ineffective portion is recognised immediately in the income statement. Amounts accumulated in equity are reclassified to the income statement in the periods in which the hedged item affects profit or loss. When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognised in the income statement when the forecast transaction is ultimately recognised in the income statement. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was reported in equity is immediately transferred to the income statement.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3) Net investment hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedges of net investments in foreign operations are accounted for similarly to cash flow hedges. Any gain or loss on the hedging instrument relating to the effective portion of the hedge is recognised in other comprehensive income, the gain or loss relating to the ineffective portion is recognised immediately in the income statement. Gains and losses accumulated in equity are included in the income statement when the foreign operation is disposed of. The hedging instruments used in net investment hedges may include non-derivative liabilities as well as derivative financial instruments.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(G) Offset</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right of offset and there is an intention to settle on a net basis, or realise the asset and settle the liability simultaneously. Cash collateral on exchange traded derivative transactions is presented gross unless the collateral cash flows are always settled net with the derivative cash flows. In certain situations, even though master netting agreements exist, the lack of management intention to settle on a net basis results in the financial assets and liabilities being reported gross on the balance sheet.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span id="ib0a7edee9f574f9d8bba8e0c5861ebc2_633"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(H) Impairment of financial assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The impairment charge in the income statement reflects the change in expected credit losses, including those arising from fraud. Expected credit losses are recognised for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets (other than equity investments) measured at fair value through other comprehensive income, and certain loan commitments and financial guarantee contracts. Expected credit losses are calculated as an unbiased and probability-weighted estimate using an appropriate probability of default, adjusted to take into account a range of possible future economic scenarios, and applying this to the estimated exposure of the Group at the point of default after taking into account the value of any collateral held, repayments, or other mitigants of loss and including the impact of discounting using the effective interest rate.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At initial recognition, allowance (or provision in the case of some loan commitments and financial guarantees) is made for expected credit losses resulting from default events that are possible within the next 12 months (12-month expected credit losses). In the event of a significant increase in credit risk since origination, allowance (or provision) is made for expected credit losses resulting from all possible default events over the expected life of the financial instrument (lifetime expected credit losses). Financial assets where 12-month expected credit losses are recognised are considered to be Stage 1; financial assets which are considered to have experienced a significant increase in credit risk since initial recognition are in Stage 2; and financial assets which have defaulted or are otherwise considered to be credit-impaired are allocated to Stage 3. Some Stage 3 assets, mainly in Commercial Banking, are subject to individual rather than collective assessment. Such cases are subject to a risk-based impairment sanctioning process, and these are reviewed and updated at least quarterly, or more frequently if there is a significant change in the credit profile. The collective assessment of impairment aggregates financial instruments with similar risk characteristics, such as whether the facility is revolving in nature or secured and the type of security held against financial assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An assessment of whether credit risk has increased significantly since initial recognition considers the change in the risk of default occurring over the remaining expected life of the financial instrument. In determining whether there has been a significant increase in credit risk, the Group uses quantitative tests based on relative and absolute probability of default (PD) movements linked to internal credit ratings together with qualitative indicators such as watchlists and other indicators of historical delinquency, credit weakness or financial difficulty. The use of internal credit ratings and qualitative indicators ensures alignment between the assessment of staging and the Group’s management of credit risk which utilises these internal metrics within distinct retail and commercial portfolio risk management practices. However, unless identified at an earlier stage, the credit risk of financial assets is deemed to have increased significantly when more than 30 days past due. The use of a payment holiday in and of itself has not been judged to indicate a significant increase in credit risk, with the underlying long-term credit risk deemed to be driven by economic conditions and captured through the use of forward-looking models. These portfolio-level models are capturing the anticipated volume of increased defaults and therefore an appropriate assessment of staging and expected credit loss. Where the credit risk subsequently improves such that it no longer represents a significant increase in credit risk since initial recognition, the asset is transferred back to Stage 1.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets are transferred to Stage 3 when they have defaulted or are otherwise considered to be credit-impaired. Default is considered to have occurred when there is evidence that the customer is experiencing financial difficulty which is likely to affect significantly the ability to repay the amount due. IFRS 9 contains a rebuttable presumption that default occurs no later than when a payment is 90 days past due which the Group now uses for all its products following changes to the definition of default for UK Mortgages on 1 January 2022. In addition, other indicators of mortgage default are added including end-of-term payments on past due interest-only accounts and loans considered non-performing due to recent arrears or forbearance. The use of payment holidays is not considered to be an automatic trigger of regulatory default and therefore does not automatically trigger Stage 3. Days past due will also not accumulate on any accounts that have taken a payment holiday including those already past due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In certain circumstances, the Group will renegotiate the original terms of a customer’s loan, either as part of an ongoing customer relationship or in response to adverse changes in the circumstances of the borrower. In the latter circumstances, the loan will remain classified as either Stage 2 or Stage 3 until the credit risk has improved such that it no longer represents a significant increase since origination (for a return to Stage 1), or the loan is no longer credit-impaired (for a return to Stage 2). On renegotiation the gross carrying amount of the loan is recalculated as the present value of the renegotiated or modified contractual cash flows, which are discounted at the original effective interest rate. Renegotiation may also lead to the loan and associated allowance being derecognised and a new loan being recognised initially at fair value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchased or originated credit-impaired financial assets (POCI) include financial assets that are purchased or originated at a deep discount that reflects incurred credit losses. At initial recognition, POCI assets do not carry an impairment allowance; instead, lifetime expected credit losses are incorporated into the calculation of the effective interest rate. All changes in lifetime expected credit losses subsequent to the assets’ initial recognition are recognised as an impairment charge.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A loan or advance is normally written off, either partially or in full, against the related allowance when the proceeds from realising any available security have been received or there is no realistic prospect of recovery and the amount of the loss has been determined. Subsequent recoveries of amounts previously written off decrease the amount of impairment losses recorded in the income statement. For both secured and unsecured retail balances, the write-off takes place only once an extensive set of collections processes has been completed, or the status of the account reaches a point where policy dictates that continuing attempts to recover are no longer appropriate. For commercial lending, a write-off occurs if the loan facility with the customer is restructured, the asset is under administration and the only monies that can be received are the amounts estimated by the administrator, the underlying assets are disposed and a decision is made that no further settlement monies will be received, or external evidence (for example, third-party valuations) is available that there has been an irreversible decline in expected cash flows.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(I) Property, plant and equipment</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property, plant and equipment (other than investment property) is included at cost less accumulated depreciation. The value of land (included in premises) is not depreciated. Depreciation on other assets is calculated using the straight-line method to allocate the difference between the cost and the residual value over their estimated useful lives, as follows: the shorter of 50 years and the remaining period of the lease for freehold/long and short leasehold premises; the shorter of 10 years and, if lease renewal is not likely, the remaining period of the lease for leasehold improvements; 10 to 20 years for fixtures and furnishings; and 2 to 8 years for other equipment and motor vehicles.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The assets’ residual values and useful lives are reviewed and, if appropriate, revised at each balance sheet date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. In assessing the recoverable amount of assets the Group considers the effects of potential or actual changes in legislation, customer behaviour, climate-related risks and other factors on the asset’s CGU. In the event that an asset’s CGU carrying amount is determined to be greater than its recoverable amount the asset is written down immediately.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property comprises freehold and long leasehold land and buildings that are held either to earn rental income or for capital accretion or both, primarily within the life insurance funds. In accordance with the guidance published by the Royal Institution of Chartered Surveyors, investment property is carried at fair value based on current prices for similar properties, adjusted for the specific characteristics of the property (such as location or condition). If this information is not available, the Group uses alternative valuation methods such as discounted cash flow projections or recent prices in less active markets. These valuations are reviewed at least annually by independent professionally qualified valuers. Investment property being redeveloped for continuing use as investment property, or for which the market has become less active, continues to be valued at fair value.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span id="ib0a7edee9f574f9d8bba8e0c5861ebc2_627"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(J) Leases</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Under IFRS 16, a lessor is required to determine whether a lease is a finance or operating lease. A lessee is not required to make this determination.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) As lessor</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets leased to customers are classified as finance leases if the lease agreements transfer substantially all of the risks and rewards of ownership to the lessee but not necessarily legal title. All other leases are classified as operating leases. When assets are subject to finance leases, the present value of the lease payments, together with any unguaranteed residual value, is recognised as a receivable, net of allowances for expected credit losses and residual value impairment, within loans and advances to banks and customers. The difference between the gross receivable and the present value of the receivable is recognised as unearned finance lease income. Finance lease income is recognised in interest income over the term of the lease using the net investment method (before tax) so as to give a constant rate of return on the net investment in the lease. Unguaranteed residual values are reviewed regularly to identify any impairment.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease assets are included within other assets at cost and depreciated over their estimated useful lives. The depreciation charge is based on the asset’s residual value and the life of the lease. Operating lease rental income is recognised on a straight-line basis over the life of the lease.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group evaluates non-lease arrangements such as outsourcing and similar contracts to determine if they contain a lease which is then accounted for separately.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) As lessee</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leases are recognised as a right-of-use asset and a corresponding liability at the date at which the leased asset is available for use by the Group. Assets and liabilities arising from a lease are initially measured on a present value basis. The lease payments are discounted using the interest rate implicit in the lease, if that rate can be determined, or the Group’s incremental borrowing rate appropriate for the right-of-use asset arising from the lease, and the liability recognised within other liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease payments are allocated between the liability and finance cost. The finance cost is charged to profit or loss over the lease period so as to produce a constant periodic rate of interest on the remaining balance of the liability for each period. The right-of-use asset is depreciated over the shorter of the asset’s useful life and the lease term on a straight-line basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Payments associated with short-term leases and leases of low-value assets are recognised on a straight-line basis as an expense in profit or loss. Short-term leases are leases with a lease term of twelve months or less. Low-value assets comprise IT equipment and small items of office furniture.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span id="ib0a7edee9f574f9d8bba8e0c5861ebc2_629"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(K) Employee benefits</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short-term employee benefits, such as salaries, paid absences, performance-based cash awards and social security costs, are recognised over the period in which the employees provide the related services.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Pension schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group operates a number of post-retirement benefit schemes for its employees including both defined benefit and defined contribution pension plans. A defined benefit scheme is a pension plan that defines an amount of pension benefit that an employee will receive on retirement, dependent on one or more factors such as age, years of pensionable service and pensionable salary. A defined contribution plan is a pension plan into which the Group pays fixed contributions; there is no legal or constructive obligation to pay further contributions.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Defined benefit schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scheme assets are included at their fair value and scheme liabilities are measured on an actuarial basis using the projected unit credit method. The defined benefit scheme liabilities are discounted using rates equivalent to the market yields at the balance sheet date on high-quality corporate bonds that are denominated in the currency in which the benefits will be paid, and that have terms to maturity approximating to the terms of the related pension liability. The Group’s income statement charge includes the current service cost of providing pension benefits, past service costs, net interest expense (income), and plan administration costs that are not deducted from the return on plan assets. Past service costs, which represents the change in the present value of the defined benefit obligation resulting from a plan amendment or curtailment, are recognised when the plan amendment or curtailment occurs. Net interest expense (income) is calculated by applying the discount rate at the beginning of the period to the net defined benefit liability or asset.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurements, comprising actuarial gains and losses, the return on plan assets (excluding amounts included in net interest expense (income) and net of the cost of managing the plan assets), and the effect of changes to the asset ceiling (if applicable) are reflected immediately in the balance sheet with a charge or credit recognised in other comprehensive income in the period in which they occur. Remeasurements recognised in other comprehensive income are reflected immediately in retained profits and will not subsequently be reclassified to profit or loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s balance sheet includes the net surplus or deficit, being the difference between the fair value of scheme assets and the discounted value of scheme liabilities at the balance sheet date. Surpluses are only recognised to the extent that they are recoverable through reduced contributions in the future or through refunds from the schemes. In assessing whether a surplus is recoverable, the Group considers (i) its current right to obtain a refund or a reduction in future contributions and (ii) the rights of other parties existing at the balance sheet date. In determining the rights of third parties existing at the balance sheet date, the Group does not anticipate any future acts by other parties. </span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Defined contribution schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The costs of the Group’s defined contribution plans are charged to the income statement in the period in which they fall due.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Share-based compensation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group operates a number of equity-settled, share-based compensation plans in respect of services received from certain of its employees. The value of the employee services received in exchange for equity instruments granted under these plans is recognised as an expense over the vesting period of the instruments, with a corresponding increase in equity. This expense is determined by reference to the fair value of the number of equity instruments that are expected to vest. The fair value of equity instruments granted is based on market prices, if available, at the date of grant. In the absence of market prices, the fair value of the instruments at the date of grant is estimated using an appropriate valuation technique, such as a Black-Scholes option pricing model or a Monte Carlo simulation. The determination of fair values excludes the impact of any non-market vesting conditions, which are included in the assumptions used to estimate the number of options that are expected to vest. At each balance sheet date, this estimate is reassessed and if necessary revised. Any revision of the original estimate is recognised in the income statement, together with a corresponding adjustment to equity. Cancellations by employees of contributions to the Group’s Save As You Earn plans are treated as non-vesting conditions and the Group recognises, in the year of cancellation, the amount of the expense that would have otherwise been recognised over the remainder of the vesting period. Modifications are assessed at the date of modification and any incremental charges are charged to the income statement.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(L) Taxation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax expense comprises current and deferred tax. Current and deferred tax are charged or credited in the income statement except to the extent that the tax arises from a transaction or event which is recognised, in the same or a different period, outside the income statement (either in other comprehensive income, directly in equity, or through a business combination), in which case the tax appears in the same statement as the transaction that gave rise to it. The tax consequences of the Group’s dividend payments (including distributions on other equity instruments), if any, are charged or credited to the statement in which the profit distributed originally arose.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax is the amount of corporate income taxes expected to be payable or recoverable based on the profit for the period as adjusted for items that are not taxable or not deductible, and is calculated using tax rates and laws that were enacted or substantively enacted at the balance sheet date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax includes amounts provided in respect of uncertain tax positions when management expects that, upon examination of the uncertainty by His Majesty’s Revenue and Customs (HMRC) or other relevant tax authority, it is more likely than not that an economic outflow will occur. Provisions reflect management’s best estimate of the ultimate liability based on their interpretation of tax law, precedent and guidance, informed by external tax advice as necessary. Changes in facts and circumstances underlying these provisions are reassessed at each balance sheet date, and the provisions are remeasured as required to reflect current information.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the Group’s long-term insurance businesses, the tax expense is analysed between tax that is payable in respect of policyholders’ returns and tax that is payable on the shareholders’ returns. This allocation is based on an assessment of the rates of tax which will be applied to the returns under the current UK tax rules.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax is recognised on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the balance sheet. Deferred tax is calculated using tax rates and laws that have been enacted or substantively enacted at the balance sheet date, and which are expected to apply when the related deferred tax asset is realised or the deferred tax liability is settled.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax liabilities are generally recognised for all taxable temporary differences but not recognised for taxable temporary differences arising on investments in subsidiaries where the reversal of the temporary difference can be controlled and it is probable that the difference will not reverse in the foreseeable future. Deferred tax liabilities are not recognised on temporary differences that arise from goodwill which is not deductible for tax purposes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets are recognised to the extent it is probable that taxable profits will be available against which the deductible temporary differences can be utilised, and are reviewed at each balance sheet date and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets and liabilities are not recognised in respect of temporary differences that arise on initial recognition of assets and liabilities acquired other than in a business combination. Deferred tax is not discounted.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(M) Insurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group undertakes both life insurance and general insurance business. Insurance and participating investment contracts are accounted for under IFRS 4 Insurance Contracts, which permits (with certain exceptions) the continuation of accounting practices for measuring insurance and participating investment contracts that applied prior to the adoption of IFRS. The Group, therefore, continues to account for these products using UK GAAP and UK established practice.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Products sold by the life insurance business are classified into three categories:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance contracts – these contracts transfer significant insurance risk and may also transfer financial risk. The Group defines significant insurance risk as the possibility of having to pay benefits on the occurrence of an insured event which are significantly more than the benefits payable if the insured event were not to occur. These contracts may or may not include discretionary participation features</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Investment contracts containing a discretionary participation feature (participating investment contracts) – these contracts do not transfer significant insurance risk, but contain a contractual right which gives the holder the right to receive, in addition to the guaranteed benefits, further additional discretionary benefits or bonuses that are likely to be a significant proportion of the total contractual benefits and the amount and timing of which is at the discretion of the Group, within the constraints of the terms and conditions of the instrument and based upon the performance of specified assets</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Non-participating investment contracts – these contracts do not transfer significant insurance risk or contain a discretionary participation feature</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For certain investment contracts, the contract can be partly invested in units which contain a discretionary participation feature (DPF) and partly in units without. Where switching levels for similar contracts are deemed to be significant, new investment contracts which contain an option to switch into investment contracts with DPF have been classified as participating investment contracts. Where the switching levels are not deemed to be significant, a new contract is split, with units containing a DPF being allocated as a participating investment contract and the units without a DPF as a non-participating investment contract. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The general insurance business issues only insurance contracts.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Life insurance business</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Accounting for insurance and participating investment contracts</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Premiums and claims</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premiums received in respect of insurance and participating investment contracts are recognised as revenue when due except for unit-linked contracts on which premiums are recognised as revenue when received. Claims are recorded as an expense on the earlier of the maturity date or the date on which the claim is notified.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the value of liabilities are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance and participating investment contracts in the Group’s with-profit funds</span></div><div style="margin-bottom:4pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities of the Group’s with-profit funds, including guarantees and options embedded within products written by these funds, are stated at their realistic values in accordance with the Prudential Regulation Authority’s realistic capital regime, except that projected transfers out of the funds into other Group funds are recorded in the unallocated surplus (see below). Further details on valuation under the realistic capital regime are included in note 31 Liabilities arising from insurance contracts and participating investment contracts.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance contracts which are not unit-linked or in the Group’s with-profit funds</span></div><div style="margin-bottom:4pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A liability for contractual benefits that are expected to be incurred in the future is recorded when the premiums are recognised. The liability is calculated by estimating the future cash flows over the duration of in-force policies and discounting them back to the valuation date allowing for probabilities of occurrence. The liability will vary with movements in interest rates and with the cost of life insurance and annuity benefits where future mortality is uncertain.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assumptions are made in respect of all material factors affecting future cash flows, including future interest rates, mortality and costs.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Further details on valuation are included in note 31 Liabilities arising from insurance contracts and participating investment contracts.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance and participating investment contracts which are unit-linked</span></div><div style="margin-bottom:4pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities for unit-linked insurance contracts and participating investment contracts are stated at the bid value of units plus an additional allowance where appropriate (such as for any excess of future expenses over charges). The liability is increased or reduced by the change in the unit prices and is reduced by policy administration fees, mortality and surrender charges and any withdrawals. Benefit claims in excess of the account balances incurred in the period are also charged through insurance claims and changes in insurance and investment contract liabilities. Revenue consists of fees deducted for mortality, policy administration and surrender charges.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Unallocated surplus</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Any amounts in the with-profit funds not yet determined as being due to policyholders or shareholders are recognised as an unallocated surplus which is shown separately from liabilities arising from insurance contracts and participating investment contracts.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Accounting for non-participating investment contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s non-participating investment contracts are primarily unit-linked. These contracts are accounted for as financial liabilities whose value is contractually linked to the fair values of financial assets within the Group’s unitised investment funds. The value of the unit-linked financial liabilities is determined using current unit prices multiplied by the number of units attributed to the contract holders at the balance sheet date. Their value is never less than the amount payable on surrender, discounted for the required notice period where applicable. Investment returns (including movements in fair value and investment income) allocated to those contracts are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits and withdrawals are not accounted for through the income statement but are accounted for directly in the balance sheet as adjustments to the non-participating investment contract liability.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group receives investment management fees in the form of an initial adjustment or charge to the amount invested. These fees are in respect of services rendered in conjunction with the issue and management of investment contracts where the Group actively manages the consideration received from its customers to fund a return that is based on the investment profile that the customer selected on origination of the contract. These services comprise an indeterminate number of acts over the lives of the individual contracts and, therefore, the Group defers these fees and recognises them over the estimated lives of the contracts, in line with the provision of investment management services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Costs which are directly attributable and incremental to securing new non-participating investment contracts are deferred. This asset is subsequently amortised over the period of the provision of investment management services and its recoverability is reviewed in circumstances where its carrying amount may not be recoverable. If the asset is greater than its recoverable amount it is written down immediately through fee and commission expense in the income statement. All other costs are recognised as expenses when incurred.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(iii) Value of in-force business</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group recognises as an asset the value of in-force business in respect of insurance contracts and participating investment contracts. The asset represents the present value of the shareholders’ interest in the profits expected to emerge from those contracts written at the balance sheet date. This is determined after making appropriate assumptions about future economic and operating conditions such as future mortality and persistency rates and includes allowances for both non-market risk and for the realistic value of financial options and guarantees. Each cash flow is valued using the discount rate consistent with that applied to such a cash flow in the capital markets. The asset in the consolidated balance sheet is presented gross of attributable tax and movements in the asset are reflected within other operating income in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s contractual rights to benefits from providing investment management services in relation to non-participating investment contracts acquired in business combinations and portfolio transfers are measured at fair value at the date of acquisition. The resulting asset is amortised over the estimated lives of the contracts. At each reporting date an assessment is made to determine if there is any indication of impairment. Where impairment exists, the carrying value of the asset is reduced to its recoverable amount and the impairment loss recognised in the income statement.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) General insurance business</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group both underwrites and acts as intermediary in the sale of general insurance products. Underwriting premiums are included in insurance premium income, net of refunds, in the period in which insurance cover is provided to the customer; premiums received relating to future periods are deferred in the balance sheet within liabilities arising from insurance contracts and participating investment contracts on a basis that reflects the length of time for which contracts have been in-force and the projected incidence of risk over the term of the contract and only credited to the income statement when earned. Broking commission is recognised when the underwriter accepts the risk of providing insurance cover to the customer. Where appropriate, provision is made for the effect of future policy terminations based upon past experience.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The underwriting business makes provision for the estimated cost of claims notified but not settled and claims incurred but not reported at the balance sheet date. The provision for the cost of claims notified but not settled is based upon a best estimate of the cost of settling the outstanding claims after taking into account all known facts. In those cases where there is insufficient information to determine the required provision, statistical techniques are used which take into account the cost of claims that have recently been settled and make assumptions about the future development of the outstanding cases. Similar statistical techniques are used to determine the provision for claims incurred but not reported at the balance sheet date. Claims liabilities are not discounted.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3) Liability adequacy test</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At each balance sheet date liability adequacy tests are performed to ensure the adequacy of insurance and participating investment contract liabilities net of related deferred cost assets and value of in-force business. In performing these tests, current best estimates of discounted future contractual cash flows and claims handling and policy administration expenses, as well as investment income from the assets backing such liabilities, are used. Any deficiency is immediately charged to the income statement, initially by writing off the relevant assets and subsequently by establishing a provision for losses arising from liability adequacy tests.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4) Reinsurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The presentation of contracts entered into by the Group with reinsurers under which the Group is compensated for amounts payable on one or more other contracts issued by the Group is dependent on whether the contract with the reinsurer transfers significant insurance risk to the reinsurer. Where the reinsurance contract transfers significant insurance risk, it is classified as an insurance contract and the asset is recognised separately on the balance sheet. Where the reinsurance contract does not transfer significant insurance risk to the reinsurer, the assets arising from contracts held with reinsurers are presented within financial assets at fair value through profit or loss.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Contracts with reinsurers that transfer significant insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts recoverable from or due to reinsurers are measured consistently with the amounts associated with the reinsured contracts and in accordance with the terms of each reinsurance contract and are regularly reviewed for impairment. Premiums payable for reinsurance contracts are recognised as an expense when due within insurance premium income. Changes in the reinsurance recoverable assets are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Contracts with reinsurers that do not transfer significant insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts that do not transfer significant insurance risk to the reinsurer are recognised within financial assets at fair value through profit or loss as they are within a portfolio of financial assets that is managed, and whose performance is evaluated, on a fair value basis. These contracts, while legally reinsurance contracts, do not meet the definition of a reinsurance contract under IFRS. Investment returns (including movements in fair value and investment income) allocated to these contracts are recognised in insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(N) Foreign currency translation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Items included in the financial statements of each of the Group’s entities are measured using the currency of the primary economic environment in which the entity operates (the functional currency). Foreign currency transactions are translated into the appropriate functional currency using the exchange rates prevailing at the dates of the transactions. Foreign exchange gains and losses resulting from the settlement of such transactions and from the translation at year end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in the income statement, except when recognised in other comprehensive income as qualifying cash flow or net investment hedges. Non-monetary assets that are measured at fair value are translated using the exchange rate at the date that the fair value was determined. Translation differences on equities and similar non-monetary items held at fair value through profit and loss are recognised in profit or loss as part of the fair value gain or loss. Translation differences on non-monetary financial assets measured at fair value through other comprehensive income, such as equity shares, are included in the fair value reserve in equity unless the asset is a hedged item in a fair value hedge.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The results and financial position of all Group entities that have a functional currency different from the presentation currency are translated into the presentation currency as follows: the assets and liabilities of foreign operations, including goodwill and fair value adjustments arising on the acquisition of a foreign entity, are translated into sterling at foreign exchange rates ruling at the balance sheet date; and the income and expenses of foreign operations are translated into sterling at average exchange rates unless these do not approximate to the foreign exchange rates ruling at the dates of the transactions, in which case income and expenses are translated at the dates of the transactions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange differences arising on the translation of a foreign operation are recognised in other comprehensive income and accumulated in a separate component of equity together with exchange differences arising from the translation of borrowings and other currency instruments designated as hedges of such investments (see (F)(3) above). On disposal or liquidation of a foreign operation, the cumulative amount of exchange differences relating to that foreign operation is reclassified from equity and included in determining the profit or loss arising on disposal or liquidation.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(O) Provisions and contingent liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions are recognised in respect of present obligations arising from past events where it is probable that outflows of resources will be required to settle the obligations and they can be reliably estimated.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities are possible obligations whose existence depends on the outcome of uncertain future events or those present obligations where the outflows of resources are uncertain or cannot be measured reliably. Contingent liabilities are not recognised in the financial statements but are disclosed unless they are remote.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision is made for expected credit losses in respect of irrevocable undrawn loan commitments and financial guarantee contracts (see (H) above).</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(P) Share capital</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Incremental costs directly attributable to the issue of new shares or options or to the acquisition of a business are shown in equity as a deduction, net of tax, from the proceeds. Dividends paid on the Group’s ordinary shares are recognised as a reduction in equity in the period in which they are paid.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where the Company or any member of the Group purchases the Company’s share capital, the consideration paid is deducted from shareholders’ equity as treasury shares until they are cancelled; if these shares are subsequently sold or reissued, any consideration received is included in shareholders’ equity.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(Q) Cash and cash equivalents</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the purposes of the cash flow statement, cash and cash equivalents comprise cash and non-mandatory deposits held with central banks, mandatory deposits held with central banks in demand accounts and amounts due from banks with an original maturity of less than three months that are available to finance the Group’s day-to-day operations.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Goodwill Explanatory DescriptionOfAccountingPolicyForGoodwillExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill arises on business combinations and represents the excess of the cost of an acquisition over the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities acquired. Where the fair value of the Group’s share of the identifiable assets, liabilities and contingent liabilities of the acquired entity is greater than the cost of acquisition, the excess is recognised immediately in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill is recognised as an asset at cost and is tested at least annually for impairment. For impairment testing, goodwill is allocated to the cash generating unit (CGU) or groups of CGUs that are expected to benefit from the business combination. The Group's CGUs are largely product based for its Retail and Insurance businesses and client based for its Commercial Banking business. An impairment loss is recognised if the carrying amount of a CGU is determined to be greater than its recoverable amount. The recoverable amount of a CGU is the higher of its fair value less costs to sell and its value in use. If an impairment is identified the carrying value of the goodwill is written down immediately through the income statement and this is not subsequently reversed. At the date of disposal of a subsidiary, the carrying value of attributable goodwill is included in the calculation of the profit or loss on disposal.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Intangible Assets Other Than Goodwill Explanatory DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets which have been determined to have a finite useful life are amortised on a straight-line basis over their estimated useful life as follows: up to 7 years for capitalised software; 10 to 15 years for brands and other intangible assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets with finite useful lives are reviewed at each reporting date to assess whether there is any indication that they are impaired. If any such indication exists the recoverable amount of the asset is determined and in the event that the asset’s carrying amount is greater than its recoverable amount, it is written down immediately. Certain brands have been determined to have an indefinite useful life and are not amortised. Such intangible assets are assessed annually to determine whether the asset is impaired and to reconfirm that an indefinite useful life remains appropriate. In the event that an indefinite life is inappropriate, a finite life is determined and a further impairment review is performed on the asset.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Recognition Of Revenue DescriptionOfAccountingPolicyForRecognitionOfRevenue	<div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Net interest income</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income and expense are recognised in the income statement using the effective interest method for all interest-bearing financial instruments, except for those classified at fair value through profit or loss. The effective interest method is a method of calculating the amortised cost of a financial asset or liability and of allocating the interest income or interest expense over the expected life of the financial instrument. The effective interest rate is the rate that exactly discounts the estimated future cash payments or receipts over the expected life of the financial instrument to the gross carrying amount of the financial asset (before adjusting for expected credit losses) or to the amortised cost of the financial liability, including early redemption fees, other fees, and premiums and discounts that are an integral part of the overall return. In the case of financial assets that are purchased or originated credit-impaired, the effective interest rate is the rate that discounts the estimated future cash flows to the amortised cost of the instrument. Direct incremental transaction costs related to the acquisition, issue or disposal of a financial instrument are also taken into account. Interest income from non-credit impaired financial assets is recognised by applying the effective interest rate to the gross carrying amount of the asset; for credit impaired financial assets, the effective interest rate is applied to the net carrying amount after deducting the allowance for expected credit losses. Impairment policies are set out in (H) below.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Fee and commission income and expense</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fees and commissions receivable which are not an integral part of the effective interest rate are recognised as income as the Group fulfils its performance obligations. The Group’s principal performance obligations arising from contracts with customers are in respect of value added current accounts, credit cards and debit cards. These fees are received, and the Group provides the service, monthly; the fees are recognised in income on this basis. The Group also receives certain fees in respect of its asset finance business where the performance obligations are typically fulfilled towards the end of the customer contract; these fees are recognised in income on this basis. Where it is unlikely that the loan commitments will be drawn, loan commitment fees are recognised in fee and commission income over the life of the facility, rather than as an adjustment to the effective interest rate for the lending expected to be drawn. Incremental costs incurred to generate fee and commission income are charged to fee and commission expense as they are incurred.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3) Other</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend income is recognised when the right to receive payment is established.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revenue recognition policies specific to trading income are set out in (E)(3) below; those relating to life insurance and general insurance business are detailed below (see (M) below); and those relating to leases are set out in (J)(1) below.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Derivative Financial Instruments And Hedging Explanatory DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As permitted by IFRS 9, the Group continues to apply the requirements of IAS 39 to its hedging relationships. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of all derivative instruments, other than those in effective cash flow and net investment hedging relationships, are recognised immediately in the income statement. As noted in (2) and (3) below, the change in fair value of a derivative in an effective cash flow or net investment hedging relationship is allocated between the income statement and other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge accounting allows one financial instrument, generally a derivative such as a swap, to be designated as a hedge of another financial instrument such as a loan or deposit or a portfolio of such instruments. At the inception of the hedge relationship, formal documentation is drawn up specifying the hedging strategy, the hedged item, the hedging instrument and the methodology that will be used to measure the effectiveness of the hedge relationship in offsetting changes in the fair value or cash flow of the hedged risk. The effectiveness of the hedging relationship is tested both at inception and throughout its life and if at any point it is concluded that it is no longer highly effective in achieving its documented objective, hedge accounting is discontinued. Note 17 provides details of the types of derivatives held by the Group and presents separately those designated in hedge relationships. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where there is uncertainty arising from interest rate benchmark reform, the Group assumes that the interest rate benchmark on which the hedged cash flows and/or the hedged risk are based, or the interest rate benchmark on which the cash flows of the hedging instrument are based, are not altered as a result of interest rate benchmark reform. The Group does not discontinue a hedging relationship during the period of uncertainty arising from the interest rate benchmark reform solely because the actual results of the hedge are not highly effective.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where the contractual terms of a financial asset, financial liability or derivative are amended, on an economically equivalent basis, as a direct consequence of interest rate benchmark reform, the uncertainty arising from the reform is no longer present. In these circumstances, the Group amends the hedge documentation to reflect the changes required by the reform; these changes to the documentation do not in and of themselves result in the discontinuation of hedge accounting or require the designation of a new hedge relationship.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Fair value hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the fair value of derivatives that are designated and qualify as fair value hedges are recorded in the income statement, together with the changes in the fair value of the hedged asset or liability that are attributable to the hedged risk; this also applies if the hedged asset is classified as a financial asset at fair value through other comprehensive income. If the hedge no longer meets the criteria for hedge accounting, changes in the fair value of the hedged item attributable to the hedged risk are no longer recognised in the income statement. The cumulative adjustment that has been made to the carrying amount of the hedged item is amortised to the income statement using the effective interest method over the period to maturity.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Cash flow hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The effective portion of changes in the fair value of derivatives that are designated and qualify as cash flow hedges is recognised in other comprehensive income in the cash flow hedging reserve. The gain or loss relating to the ineffective portion is recognised immediately in the income statement. Amounts accumulated in equity are reclassified to the income statement in the periods in which the hedged item affects profit or loss. When a hedging instrument expires or is sold, or when a hedge no longer meets the criteria for hedge accounting, any cumulative gain or loss existing in equity at that time remains in equity and is recognised in the income statement when the forecast transaction is ultimately recognised in the income statement. When a forecast transaction is no longer expected to occur, the cumulative gain or loss that was reported in equity is immediately transferred to the income statement.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3) Net investment hedges</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedges of net investments in foreign operations are accounted for similarly to cash flow hedges. Any gain or loss on the hedging instrument relating to the effective portion of the hedge is recognised in other comprehensive income, the gain or loss relating to the ineffective portion is recognised immediately in the income statement. Gains and losses accumulated in equity are included in the income statement when the foreign operation is disposed of. The hedging instruments used in net investment hedges may include non-derivative liabilities as well as derivative financial instruments.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Offsetting Of Financial Instruments Explanatory DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory	Financial assets and liabilities are offset and the net amount reported in the balance sheet when there is a legally enforceable right of offset and there is an intention to settle on a net basis, or realise the asset and settle the liability simultaneously. Cash collateral on exchange traded derivative transactions is presented gross unless the collateral cash flows are always settled net with the derivative cash flows. In certain situations, even though master netting agreements exist, the lack of management intention to settle on a net basis results in the financial assets and liabilities being reported gross on the balance sheet.
CY2022	ifrs-full	Description Of Accounting Policy For Impairment Of Financial Assets Explanatory DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory	The impairment charge in the income statement reflects the change in expected credit losses, including those arising from fraud. Expected credit losses are recognised for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets (other than equity investments) measured at fair value through other comprehensive income, and certain loan commitments and financial guarantee contracts. Expected credit losses are calculated as an unbiased and probability-weighted estimate using an appropriate probability of default, adjusted to take into account a range of possible future economic scenarios, and applying this to the estimated exposure of the Group at the point of default after taking into account the value of any collateral held, repayments, or other mitigants of loss and including the impact of discounting using the effective interest rate.<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At initial recognition, allowance (or provision in the case of some loan commitments and financial guarantees) is made for expected credit losses resulting from default events that are possible within the next 12 months (12-month expected credit losses). In the event of a significant increase in credit risk since origination, allowance (or provision) is made for expected credit losses resulting from all possible default events over the expected life of the financial instrument (lifetime expected credit losses). Financial assets where 12-month expected credit losses are recognised are considered to be Stage 1; financial assets which are considered to have experienced a significant increase in credit risk since initial recognition are in Stage 2; and financial assets which have defaulted or are otherwise considered to be credit-impaired are allocated to Stage 3. Some Stage 3 assets, mainly in Commercial Banking, are subject to individual rather than collective assessment. Such cases are subject to a risk-based impairment sanctioning process, and these are reviewed and updated at least quarterly, or more frequently if there is a significant change in the credit profile. The collective assessment of impairment aggregates financial instruments with similar risk characteristics, such as whether the facility is revolving in nature or secured and the type of security held against financial assets.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An assessment of whether credit risk has increased significantly since initial recognition considers the change in the risk of default occurring over the remaining expected life of the financial instrument. In determining whether there has been a significant increase in credit risk, the Group uses quantitative tests based on relative and absolute probability of default (PD) movements linked to internal credit ratings together with qualitative indicators such as watchlists and other indicators of historical delinquency, credit weakness or financial difficulty. The use of internal credit ratings and qualitative indicators ensures alignment between the assessment of staging and the Group’s management of credit risk which utilises these internal metrics within distinct retail and commercial portfolio risk management practices. However, unless identified at an earlier stage, the credit risk of financial assets is deemed to have increased significantly when more than 30 days past due. The use of a payment holiday in and of itself has not been judged to indicate a significant increase in credit risk, with the underlying long-term credit risk deemed to be driven by economic conditions and captured through the use of forward-looking models. These portfolio-level models are capturing the anticipated volume of increased defaults and therefore an appropriate assessment of staging and expected credit loss. Where the credit risk subsequently improves such that it no longer represents a significant increase in credit risk since initial recognition, the asset is transferred back to Stage 1.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets are transferred to Stage 3 when they have defaulted or are otherwise considered to be credit-impaired. Default is considered to have occurred when there is evidence that the customer is experiencing financial difficulty which is likely to affect significantly the ability to repay the amount due. IFRS 9 contains a rebuttable presumption that default occurs no later than when a payment is 90 days past due which the Group now uses for all its products following changes to the definition of default for UK Mortgages on 1 January 2022. In addition, other indicators of mortgage default are added including end-of-term payments on past due interest-only accounts and loans considered non-performing due to recent arrears or forbearance. The use of payment holidays is not considered to be an automatic trigger of regulatory default and therefore does not automatically trigger Stage 3. Days past due will also not accumulate on any accounts that have taken a payment holiday including those already past due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In certain circumstances, the Group will renegotiate the original terms of a customer’s loan, either as part of an ongoing customer relationship or in response to adverse changes in the circumstances of the borrower. In the latter circumstances, the loan will remain classified as either Stage 2 or Stage 3 until the credit risk has improved such that it no longer represents a significant increase since origination (for a return to Stage 1), or the loan is no longer credit-impaired (for a return to Stage 2). On renegotiation the gross carrying amount of the loan is recalculated as the present value of the renegotiated or modified contractual cash flows, which are discounted at the original effective interest rate. Renegotiation may also lead to the loan and associated allowance being derecognised and a new loan being recognised initially at fair value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchased or originated credit-impaired financial assets (POCI) include financial assets that are purchased or originated at a deep discount that reflects incurred credit losses. At initial recognition, POCI assets do not carry an impairment allowance; instead, lifetime expected credit losses are incorporated into the calculation of the effective interest rate. All changes in lifetime expected credit losses subsequent to the assets’ initial recognition are recognised as an impairment charge.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A loan or advance is normally written off, either partially or in full, against the related allowance when the proceeds from realising any available security have been received or there is no realistic prospect of recovery and the amount of the loss has been determined. Subsequent recoveries of amounts previously written off decrease the amount of impairment losses recorded in the income statement. For both secured and unsecured retail balances, the write-off takes place only once an extensive set of collections processes has been completed, or the status of the account reaches a point where policy dictates that continuing attempts to recover are no longer appropriate. For commercial lending, a write-off occurs if the loan facility with the customer is restructured, the asset is under administration and the only monies that can be received are the amounts estimated by the administrator, the underlying assets are disposed and a decision is made that no further settlement monies will be received, or external evidence (for example, third-party valuations) is available that there has been an irreversible decline in expected cash flows.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Property Plant And Equipment Explanatory DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property, plant and equipment (other than investment property) is included at cost less accumulated depreciation. The value of land (included in premises) is not depreciated. Depreciation on other assets is calculated using the straight-line method to allocate the difference between the cost and the residual value over their estimated useful lives, as follows: the shorter of 50 years and the remaining period of the lease for freehold/long and short leasehold premises; the shorter of 10 years and, if lease renewal is not likely, the remaining period of the lease for leasehold improvements; 10 to 20 years for fixtures and furnishings; and 2 to 8 years for other equipment and motor vehicles.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The assets’ residual values and useful lives are reviewed and, if appropriate, revised at each balance sheet date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. In assessing the recoverable amount of assets the Group considers the effects of potential or actual changes in legislation, customer behaviour, climate-related risks and other factors on the asset’s CGU. In the event that an asset’s CGU carrying amount is determined to be greater than its recoverable amount the asset is written down immediately.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property comprises freehold and long leasehold land and buildings that are held either to earn rental income or for capital accretion or both, primarily within the life insurance funds. In accordance with the guidance published by the Royal Institution of Chartered Surveyors, investment property is carried at fair value based on current prices for similar properties, adjusted for the specific characteristics of the property (such as location or condition). If this information is not available, the Group uses alternative valuation methods such as discounted cash flow projections or recent prices in less active markets. These valuations are reviewed at least annually by independent professionally qualified valuers. Investment property being redeveloped for continuing use as investment property, or for which the market has become less active, continues to be valued at fair value.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Leases Explanatory DescriptionOfAccountingPolicyForLeasesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Under IFRS 16, a lessor is required to determine whether a lease is a finance or operating lease. A lessee is not required to make this determination.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) As lessor</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets leased to customers are classified as finance leases if the lease agreements transfer substantially all of the risks and rewards of ownership to the lessee but not necessarily legal title. All other leases are classified as operating leases. When assets are subject to finance leases, the present value of the lease payments, together with any unguaranteed residual value, is recognised as a receivable, net of allowances for expected credit losses and residual value impairment, within loans and advances to banks and customers. The difference between the gross receivable and the present value of the receivable is recognised as unearned finance lease income. Finance lease income is recognised in interest income over the term of the lease using the net investment method (before tax) so as to give a constant rate of return on the net investment in the lease. Unguaranteed residual values are reviewed regularly to identify any impairment.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease assets are included within other assets at cost and depreciated over their estimated useful lives. The depreciation charge is based on the asset’s residual value and the life of the lease. Operating lease rental income is recognised on a straight-line basis over the life of the lease.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group evaluates non-lease arrangements such as outsourcing and similar contracts to determine if they contain a lease which is then accounted for separately.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) As lessee</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Leases are recognised as a right-of-use asset and a corresponding liability at the date at which the leased asset is available for use by the Group. Assets and liabilities arising from a lease are initially measured on a present value basis. The lease payments are discounted using the interest rate implicit in the lease, if that rate can be determined, or the Group’s incremental borrowing rate appropriate for the right-of-use asset arising from the lease, and the liability recognised within other liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease payments are allocated between the liability and finance cost. The finance cost is charged to profit or loss over the lease period so as to produce a constant periodic rate of interest on the remaining balance of the liability for each period. The right-of-use asset is depreciated over the shorter of the asset’s useful life and the lease term on a straight-line basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Payments associated with short-term leases and leases of low-value assets are recognised on a straight-line basis as an expense in profit or loss. Short-term leases are leases with a lease term of twelve months or less. Low-value assets comprise IT equipment and small items of office furniture.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Employee Benefits Explanatory DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short-term employee benefits, such as salaries, paid absences, performance-based cash awards and social security costs, are recognised over the period in which the employees provide the related services.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Pension schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group operates a number of post-retirement benefit schemes for its employees including both defined benefit and defined contribution pension plans. A defined benefit scheme is a pension plan that defines an amount of pension benefit that an employee will receive on retirement, dependent on one or more factors such as age, years of pensionable service and pensionable salary. A defined contribution plan is a pension plan into which the Group pays fixed contributions; there is no legal or constructive obligation to pay further contributions.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Defined benefit schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scheme assets are included at their fair value and scheme liabilities are measured on an actuarial basis using the projected unit credit method. The defined benefit scheme liabilities are discounted using rates equivalent to the market yields at the balance sheet date on high-quality corporate bonds that are denominated in the currency in which the benefits will be paid, and that have terms to maturity approximating to the terms of the related pension liability. The Group’s income statement charge includes the current service cost of providing pension benefits, past service costs, net interest expense (income), and plan administration costs that are not deducted from the return on plan assets. Past service costs, which represents the change in the present value of the defined benefit obligation resulting from a plan amendment or curtailment, are recognised when the plan amendment or curtailment occurs. Net interest expense (income) is calculated by applying the discount rate at the beginning of the period to the net defined benefit liability or asset.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurements, comprising actuarial gains and losses, the return on plan assets (excluding amounts included in net interest expense (income) and net of the cost of managing the plan assets), and the effect of changes to the asset ceiling (if applicable) are reflected immediately in the balance sheet with a charge or credit recognised in other comprehensive income in the period in which they occur. Remeasurements recognised in other comprehensive income are reflected immediately in retained profits and will not subsequently be reclassified to profit or loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s balance sheet includes the net surplus or deficit, being the difference between the fair value of scheme assets and the discounted value of scheme liabilities at the balance sheet date. Surpluses are only recognised to the extent that they are recoverable through reduced contributions in the future or through refunds from the schemes. In assessing whether a surplus is recoverable, the Group considers (i) its current right to obtain a refund or a reduction in future contributions and (ii) the rights of other parties existing at the balance sheet date. In determining the rights of third parties existing at the balance sheet date, the Group does not anticipate any future acts by other parties. </span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Defined contribution schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The costs of the Group’s defined contribution plans are charged to the income statement in the period in which they fall due.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Share-based compensation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group operates a number of equity-settled, share-based compensation plans in respect of services received from certain of its employees. The value of the employee services received in exchange for equity instruments granted under these plans is recognised as an expense over the vesting period of the instruments, with a corresponding increase in equity. This expense is determined by reference to the fair value of the number of equity instruments that are expected to vest. The fair value of equity instruments granted is based on market prices, if available, at the date of grant. In the absence of market prices, the fair value of the instruments at the date of grant is estimated using an appropriate valuation technique, such as a Black-Scholes option pricing model or a Monte Carlo simulation. The determination of fair values excludes the impact of any non-market vesting conditions, which are included in the assumptions used to estimate the number of options that are expected to vest. At each balance sheet date, this estimate is reassessed and if necessary revised. Any revision of the original estimate is recognised in the income statement, together with a corresponding adjustment to equity. Cancellations by employees of contributions to the Group’s Save As You Earn plans are treated as non-vesting conditions and the Group recognises, in the year of cancellation, the amount of the expense that would have otherwise been recognised over the remainder of the vesting period. Modifications are assessed at the date of modification and any incremental charges are charged to the income statement.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Income Tax Explanatory DescriptionOfAccountingPolicyForIncomeTaxExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax expense comprises current and deferred tax. Current and deferred tax are charged or credited in the income statement except to the extent that the tax arises from a transaction or event which is recognised, in the same or a different period, outside the income statement (either in other comprehensive income, directly in equity, or through a business combination), in which case the tax appears in the same statement as the transaction that gave rise to it. The tax consequences of the Group’s dividend payments (including distributions on other equity instruments), if any, are charged or credited to the statement in which the profit distributed originally arose.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax is the amount of corporate income taxes expected to be payable or recoverable based on the profit for the period as adjusted for items that are not taxable or not deductible, and is calculated using tax rates and laws that were enacted or substantively enacted at the balance sheet date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax includes amounts provided in respect of uncertain tax positions when management expects that, upon examination of the uncertainty by His Majesty’s Revenue and Customs (HMRC) or other relevant tax authority, it is more likely than not that an economic outflow will occur. Provisions reflect management’s best estimate of the ultimate liability based on their interpretation of tax law, precedent and guidance, informed by external tax advice as necessary. Changes in facts and circumstances underlying these provisions are reassessed at each balance sheet date, and the provisions are remeasured as required to reflect current information.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the Group’s long-term insurance businesses, the tax expense is analysed between tax that is payable in respect of policyholders’ returns and tax that is payable on the shareholders’ returns. This allocation is based on an assessment of the rates of tax which will be applied to the returns under the current UK tax rules.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax is recognised on temporary differences arising between the tax bases of assets and liabilities and their carrying amounts in the balance sheet. Deferred tax is calculated using tax rates and laws that have been enacted or substantively enacted at the balance sheet date, and which are expected to apply when the related deferred tax asset is realised or the deferred tax liability is settled.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax liabilities are generally recognised for all taxable temporary differences but not recognised for taxable temporary differences arising on investments in subsidiaries where the reversal of the temporary difference can be controlled and it is probable that the difference will not reverse in the foreseeable future. Deferred tax liabilities are not recognised on temporary differences that arise from goodwill which is not deductible for tax purposes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets are recognised to the extent it is probable that taxable profits will be available against which the deductible temporary differences can be utilised, and are reviewed at each balance sheet date and reduced to the extent that it is no longer probable that sufficient taxable profits will be available to allow all or part of the asset to be recovered.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets and liabilities are not recognised in respect of temporary differences that arise on initial recognition of assets and liabilities acquired other than in a business combination. Deferred tax is not discounted.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Insurance Contracts DescriptionOfAccountingPolicyForInsuranceContracts	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group undertakes both life insurance and general insurance business. Insurance and participating investment contracts are accounted for under IFRS 4 Insurance Contracts, which permits (with certain exceptions) the continuation of accounting practices for measuring insurance and participating investment contracts that applied prior to the adoption of IFRS. The Group, therefore, continues to account for these products using UK GAAP and UK established practice.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Products sold by the life insurance business are classified into three categories:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance contracts – these contracts transfer significant insurance risk and may also transfer financial risk. The Group defines significant insurance risk as the possibility of having to pay benefits on the occurrence of an insured event which are significantly more than the benefits payable if the insured event were not to occur. These contracts may or may not include discretionary participation features</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Investment contracts containing a discretionary participation feature (participating investment contracts) – these contracts do not transfer significant insurance risk, but contain a contractual right which gives the holder the right to receive, in addition to the guaranteed benefits, further additional discretionary benefits or bonuses that are likely to be a significant proportion of the total contractual benefits and the amount and timing of which is at the discretion of the Group, within the constraints of the terms and conditions of the instrument and based upon the performance of specified assets</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Non-participating investment contracts – these contracts do not transfer significant insurance risk or contain a discretionary participation feature</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For certain investment contracts, the contract can be partly invested in units which contain a discretionary participation feature (DPF) and partly in units without. Where switching levels for similar contracts are deemed to be significant, new investment contracts which contain an option to switch into investment contracts with DPF have been classified as participating investment contracts. Where the switching levels are not deemed to be significant, a new contract is split, with units containing a DPF being allocated as a participating investment contract and the units without a DPF as a non-participating investment contract. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The general insurance business issues only insurance contracts.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Life insurance business</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Accounting for insurance and participating investment contracts</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Premiums and claims</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premiums received in respect of insurance and participating investment contracts are recognised as revenue when due except for unit-linked contracts on which premiums are recognised as revenue when received. Claims are recorded as an expense on the earlier of the maturity date or the date on which the claim is notified.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in the value of liabilities are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance and participating investment contracts in the Group’s with-profit funds</span></div><div style="margin-bottom:4pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities of the Group’s with-profit funds, including guarantees and options embedded within products written by these funds, are stated at their realistic values in accordance with the Prudential Regulation Authority’s realistic capital regime, except that projected transfers out of the funds into other Group funds are recorded in the unallocated surplus (see below). Further details on valuation under the realistic capital regime are included in note 31 Liabilities arising from insurance contracts and participating investment contracts.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance contracts which are not unit-linked or in the Group’s with-profit funds</span></div><div style="margin-bottom:4pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A liability for contractual benefits that are expected to be incurred in the future is recorded when the premiums are recognised. The liability is calculated by estimating the future cash flows over the duration of in-force policies and discounting them back to the valuation date allowing for probabilities of occurrence. The liability will vary with movements in interest rates and with the cost of life insurance and annuity benefits where future mortality is uncertain.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assumptions are made in respect of all material factors affecting future cash flows, including future interest rates, mortality and costs.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Further details on valuation are included in note 31 Liabilities arising from insurance contracts and participating investment contracts.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance and participating investment contracts which are unit-linked</span></div><div style="margin-bottom:4pt;padding-left:7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities for unit-linked insurance contracts and participating investment contracts are stated at the bid value of units plus an additional allowance where appropriate (such as for any excess of future expenses over charges). The liability is increased or reduced by the change in the unit prices and is reduced by policy administration fees, mortality and surrender charges and any withdrawals. Benefit claims in excess of the account balances incurred in the period are also charged through insurance claims and changes in insurance and investment contract liabilities. Revenue consists of fees deducted for mortality, policy administration and surrender charges.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Unallocated surplus</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Any amounts in the with-profit funds not yet determined as being due to policyholders or shareholders are recognised as an unallocated surplus which is shown separately from liabilities arising from insurance contracts and participating investment contracts.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Accounting for non-participating investment contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s non-participating investment contracts are primarily unit-linked. These contracts are accounted for as financial liabilities whose value is contractually linked to the fair values of financial assets within the Group’s unitised investment funds. The value of the unit-linked financial liabilities is determined using current unit prices multiplied by the number of units attributed to the contract holders at the balance sheet date. Their value is never less than the amount payable on surrender, discounted for the required notice period where applicable. Investment returns (including movements in fair value and investment income) allocated to those contracts are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits and withdrawals are not accounted for through the income statement but are accounted for directly in the balance sheet as adjustments to the non-participating investment contract liability.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group receives investment management fees in the form of an initial adjustment or charge to the amount invested. These fees are in respect of services rendered in conjunction with the issue and management of investment contracts where the Group actively manages the consideration received from its customers to fund a return that is based on the investment profile that the customer selected on origination of the contract. These services comprise an indeterminate number of acts over the lives of the individual contracts and, therefore, the Group defers these fees and recognises them over the estimated lives of the contracts, in line with the provision of investment management services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Costs which are directly attributable and incremental to securing new non-participating investment contracts are deferred. This asset is subsequently amortised over the period of the provision of investment management services and its recoverability is reviewed in circumstances where its carrying amount may not be recoverable. If the asset is greater than its recoverable amount it is written down immediately through fee and commission expense in the income statement. All other costs are recognised as expenses when incurred.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(iii) Value of in-force business</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group recognises as an asset the value of in-force business in respect of insurance contracts and participating investment contracts. The asset represents the present value of the shareholders’ interest in the profits expected to emerge from those contracts written at the balance sheet date. This is determined after making appropriate assumptions about future economic and operating conditions such as future mortality and persistency rates and includes allowances for both non-market risk and for the realistic value of financial options and guarantees. Each cash flow is valued using the discount rate consistent with that applied to such a cash flow in the capital markets. The asset in the consolidated balance sheet is presented gross of attributable tax and movements in the asset are reflected within other operating income in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s contractual rights to benefits from providing investment management services in relation to non-participating investment contracts acquired in business combinations and portfolio transfers are measured at fair value at the date of acquisition. The resulting asset is amortised over the estimated lives of the contracts. At each reporting date an assessment is made to determine if there is any indication of impairment. Where impairment exists, the carrying value of the asset is reduced to its recoverable amount and the impairment loss recognised in the income statement.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) General insurance business</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group both underwrites and acts as intermediary in the sale of general insurance products. Underwriting premiums are included in insurance premium income, net of refunds, in the period in which insurance cover is provided to the customer; premiums received relating to future periods are deferred in the balance sheet within liabilities arising from insurance contracts and participating investment contracts on a basis that reflects the length of time for which contracts have been in-force and the projected incidence of risk over the term of the contract and only credited to the income statement when earned. Broking commission is recognised when the underwriter accepts the risk of providing insurance cover to the customer. Where appropriate, provision is made for the effect of future policy terminations based upon past experience.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The underwriting business makes provision for the estimated cost of claims notified but not settled and claims incurred but not reported at the balance sheet date. The provision for the cost of claims notified but not settled is based upon a best estimate of the cost of settling the outstanding claims after taking into account all known facts. In those cases where there is insufficient information to determine the required provision, statistical techniques are used which take into account the cost of claims that have recently been settled and make assumptions about the future development of the outstanding cases. Similar statistical techniques are used to determine the provision for claims incurred but not reported at the balance sheet date. Claims liabilities are not discounted.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3) Liability adequacy test</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At each balance sheet date liability adequacy tests are performed to ensure the adequacy of insurance and participating investment contract liabilities net of related deferred cost assets and value of in-force business. In performing these tests, current best estimates of discounted future contractual cash flows and claims handling and policy administration expenses, as well as investment income from the assets backing such liabilities, are used. Any deficiency is immediately charged to the income statement, initially by writing off the relevant assets and subsequently by establishing a provision for losses arising from liability adequacy tests.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4) Reinsurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The presentation of contracts entered into by the Group with reinsurers under which the Group is compensated for amounts payable on one or more other contracts issued by the Group is dependent on whether the contract with the reinsurer transfers significant insurance risk to the reinsurer. Where the reinsurance contract transfers significant insurance risk, it is classified as an insurance contract and the asset is recognised separately on the balance sheet. Where the reinsurance contract does not transfer significant insurance risk to the reinsurer, the assets arising from contracts held with reinsurers are presented within financial assets at fair value through profit or loss.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Contracts with reinsurers that transfer significant insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts recoverable from or due to reinsurers are measured consistently with the amounts associated with the reinsured contracts and in accordance with the terms of each reinsurance contract and are regularly reviewed for impairment. Premiums payable for reinsurance contracts are recognised as an expense when due within insurance premium income. Changes in the reinsurance recoverable assets are recognised in the income statement through insurance claims and changes in insurance and investment contract liabilities.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Contracts with reinsurers that do not transfer significant insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts that do not transfer significant insurance risk to the reinsurer are recognised within financial assets at fair value through profit or loss as they are within a portfolio of financial assets that is managed, and whose performance is evaluated, on a fair value basis. These contracts, while legally reinsurance contracts, do not meet the definition of a reinsurance contract under IFRS. Investment returns (including movements in fair value and investment income) allocated to these contracts are recognised in insurance claims and changes in insurance and investment contract liabilities.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Foreign Currency Translation Explanatory DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Items included in the financial statements of each of the Group’s entities are measured using the currency of the primary economic environment in which the entity operates (the functional currency). Foreign currency transactions are translated into the appropriate functional currency using the exchange rates prevailing at the dates of the transactions. Foreign exchange gains and losses resulting from the settlement of such transactions and from the translation at year end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in the income statement, except when recognised in other comprehensive income as qualifying cash flow or net investment hedges. Non-monetary assets that are measured at fair value are translated using the exchange rate at the date that the fair value was determined. Translation differences on equities and similar non-monetary items held at fair value through profit and loss are recognised in profit or loss as part of the fair value gain or loss. Translation differences on non-monetary financial assets measured at fair value through other comprehensive income, such as equity shares, are included in the fair value reserve in equity unless the asset is a hedged item in a fair value hedge.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The results and financial position of all Group entities that have a functional currency different from the presentation currency are translated into the presentation currency as follows: the assets and liabilities of foreign operations, including goodwill and fair value adjustments arising on the acquisition of a foreign entity, are translated into sterling at foreign exchange rates ruling at the balance sheet date; and the income and expenses of foreign operations are translated into sterling at average exchange rates unless these do not approximate to the foreign exchange rates ruling at the dates of the transactions, in which case income and expenses are translated at the dates of the transactions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange differences arising on the translation of a foreign operation are recognised in other comprehensive income and accumulated in a separate component of equity together with exchange differences arising from the translation of borrowings and other currency instruments designated as hedges of such investments (see (F)(3) above). On disposal or liquidation of a foreign operation, the cumulative amount of exchange differences relating to that foreign operation is reclassified from equity and included in determining the profit or loss arising on disposal or liquidation.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Provisions Explanatory DescriptionOfAccountingPolicyForProvisionsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions are recognised in respect of present obligations arising from past events where it is probable that outflows of resources will be required to settle the obligations and they can be reliably estimated.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contingent liabilities are possible obligations whose existence depends on the outcome of uncertain future events or those present obligations where the outflows of resources are uncertain or cannot be measured reliably. Contingent liabilities are not recognised in the financial statements but are disclosed unless they are remote.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision is made for expected credit losses in respect of irrevocable undrawn loan commitments and financial guarantee contracts (see (H) above).</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Issued Capital Explanatory DescriptionOfAccountingPolicyForIssuedCapitalExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Incremental costs directly attributable to the issue of new shares or options or to the acquisition of a business are shown in equity as a deduction, net of tax, from the proceeds. Dividends paid on the Group’s ordinary shares are recognised as a reduction in equity in the period in which they are paid.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where the Company or any member of the Group purchases the Company’s share capital, the consideration paid is deducted from shareholders’ equity as treasury shares until they are cancelled; if these shares are subsequently sold or reissued, any consideration received is included in shareholders’ equity.</span></div>
CY2022	ifrs-full	Description Of Accounting Policy To Determine Components Of Cash And Cash Equivalents DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents	For the purposes of the cash flow statement, cash and cash equivalents comprise cash and non-mandatory deposits held with central banks, mandatory deposits held with central banks in demand accounts and amounts due from banks with an original maturity of less than three months that are available to finance the Group’s day-to-day operations.
CY2022	ifrs-full	Disclosure Of Changes In Accounting Policies Accounting Estimates And Errors Explanatory DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory	CHANGES IN COMPARATIVE DATA<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Restatement of cash flow statement following IFRS Interpretations Committee conclusion in April 2022 (see note 1).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Consolidated cash flow statement for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:61.564%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.731%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.715%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2021<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Adjustments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2022<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flows from operating activities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit before tax</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments for:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in operating assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,650)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,668)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in operating liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,737 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,737 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-cash and other items</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,594 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,594 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax paid (net)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(736)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(736)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net cash provided by operating activities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,171 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,153 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flows from investing activities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchase of financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,589)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,589)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from sale and maturity of financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,347 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,347 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchase of fixed assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,901)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,901)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from sale of fixed assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of businesses, net of cash acquired</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net cash provided by (used in) investing activities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,000)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,000)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flows from financing activities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid to ordinary shareholders</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Distributions on other equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(453)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(453)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(41)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(41)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest paid on subordinated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,095)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,095)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from issue of subordinated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from issue of other equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from issue of ordinary shares</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share buyback</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repayment of subordinated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,874)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,874)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchases and redemptions of other equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net cash used in financing activities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,319)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,319)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effects of exchange rate changes on cash and cash equivalents</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(196)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(196)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in cash and cash equivalents</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,656 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,638 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and cash equivalents at beginning of year</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57,811 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,696 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,507 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and cash equivalents at end of year</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75,467 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,678 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78,145 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 52(A): Consolidated cash flow statement for the year ended 31 December 2020</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Change in operating assets</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:67.421%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2021<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Adjustments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2022<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in financial assets held at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,634)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,652)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,894)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,894)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in other operating assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Change in operating assets</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,650)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,668)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 52(E): Consolidated cash flow statement for the year ended 31 December 2020</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(E) Analysis of cash and cash equivalents as shown in the balance sheet</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:67.421%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2021<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Adjustments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2022<br/>£m</span></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,257 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,257 </span></td><td style="border-right:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less mandatory reserve deposits</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,553)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,678 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,875)</span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,704 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,678 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,382 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks and reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,746 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,746 </span></td><td style="border-right:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less amounts with a maturity of three months or more</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,983)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,983)</span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,763 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,763 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total cash and cash equivalents</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75,467 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,678 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78,145 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Mandatory reserve deposits are held with local central banks in accordance with statutory requirements. Where these deposits are not held in demand accounts and are not available to finance the Group’s day-to-day operations they are excluded from cash and cash equivalents.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparatives have been restated as a result of the Group restructure effective from 1 July 2022 and other methodology changes (see note 4).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 4: Segmental analysis for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">As reported in 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance<br/>and Wealth<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,384 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,357 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,733 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,292 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,250 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,117 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,649 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,299 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(856)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,261 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,621 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,299 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,761)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,851)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(902)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(71)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,585)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(210)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(379)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,886)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,061)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(952)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(65)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,964)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,384)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,464)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(390)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,247)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,991 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">338 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(232)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,193 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,868 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,246 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,223 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,049)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,751)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">403 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,272 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,117 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,649 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,299 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">358,766 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142,042 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183,348 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">187,113 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">871,269 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits and repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">290,206 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">145,596 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,072 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,194 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">460,068 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">295,229 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">189,302 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">190,771 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146,554 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821,856 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">498 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">231 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">748 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">181 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">205 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,077 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">875 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,308 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(571)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(222)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(329)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,148)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">506 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">653 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,160 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease termination income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">787 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">147 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">349 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,389 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,055)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">830 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,319 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,158 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,580 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(702)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,355 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(92)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(519)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(356)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,733 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,292 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,250 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,760 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">263 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">159 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">550 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,732 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">97 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,684 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">112 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">980 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,901 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £127 million.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 4: Segmental analysis for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(167)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(127)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">136 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">307 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(176)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">307 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(176)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(206)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(430)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(617)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(206)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(430)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(617)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">256 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(97)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(81)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(220)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(99)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(451)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(369)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">354 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">238 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(191)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">307 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(176)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,987)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,051 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,064)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits and repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,596)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,666 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,072)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,415)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,417)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,595)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,720 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,125)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(69)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(70)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(130)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">145 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(144)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease termination income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(127)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">136 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 4: Segmental analysis for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">As reported in 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,380 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,528 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(118)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,606 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,428 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,241 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,986 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,956 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(856)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,130 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,928 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,967)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,281)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(832)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(122)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,202)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(210)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(379)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,092)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,491)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(882)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(116)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,581)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,128)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,561)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(390)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,081)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,910 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(124)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">239 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(283)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,742 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,499 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,600 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,238 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,049)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,513)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">356 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(115)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,272 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,986 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,956 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">350,779 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151,093 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">182,284 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">187,113 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">871,269 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279,610 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170,262 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">779 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">450,651 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">284,634 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214,022 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176,646 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146,554 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821,856 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">429 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">186 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">447 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">301 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">748 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">194 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">947 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,020 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">340 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,308 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(585)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(234)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(303)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,148)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">362 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">786 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,160 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease termination income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">792 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">198 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">349 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,338 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,055)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">830 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,365 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,163 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,529 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(702)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,355 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(521)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(325)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,606 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,428 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,241 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,760 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">263 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">159 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">550 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,732 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,684 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">112 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">980 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,901 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £127 million.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 4: Segmental analysis for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">As reported in 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility and other items</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,749 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(150)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,377 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, before operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,126 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">339 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(177)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,126 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(545)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(177)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,745)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,522 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,964)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment (charge) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,155)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,247)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">882 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,193 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.38pt">The Group’s insurance businesses’ income statements include income and expenditure which are attributable to the policyholders of the Group’s long-term assurance funds. These items have no impact in total upon the proﬁt attributable to equity shareholders and, in order to provide a clearer representation of the underlying trends within the business, these items are shown net within the underlying results.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.38pt">Net of proﬁts on disposal of operating lease assets of £249 million (2020: £127 million; 2019: £41 million).</span></div><div style="margin-bottom:8pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.38pt">Comprises the effects of market volatility and asset sales (losses of £59 million); the amortisation of purchased intangibles (£69 million); restructuring (£521 million, including severance costs, property transformation, technology research and development, regulatory programmes and merger, acquisition and integration costs); and the fair value unwind (losses of £233 million).</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">restructuring</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">items</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, before operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(617)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(617)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment (charge) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(451)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(451)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">As reported in 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">restructuring</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">items</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,749 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(150)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,377 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,126 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(545)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(177)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,745)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">905 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,581)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment (charge) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,155)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,081)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">431 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,742 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 The Group’s insurance businesses’ income statements include income and expenditure which are attributable to the policyholders of the Group’s long-term assurance funds. These items have no impact in total upon the profit attributable to equity shareholders and, in order to provide a clearer representation of the underlying trends within the business, these items are shown net within the underlying results.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Net of profits on disposal of operating lease assets of £197 million (2021: £249 million; 2020: £127 million).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Comprises the effects of market volatility and asset sales (£59 million); the amortisation of purchased intangibles (£69 million); restructuring (£70 million of merger, acquisition and integration costs); and the fair value unwind (losses of £233 million).</span></div>
CY2022	ifrs-full	Disclosure Of Reclassifications Or Changes In Presentation Explanatory DisclosureOfReclassificationsOrChangesInPresentationExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Consolidated cash flow statement for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:61.564%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.731%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.715%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2021<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Adjustments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2022<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flows from operating activities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit before tax</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments for:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in operating assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,650)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,668)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in operating liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,737 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,737 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-cash and other items</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,594 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,594 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax paid (net)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(736)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(736)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net cash provided by operating activities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,171 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,153 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flows from investing activities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchase of financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,589)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,589)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from sale and maturity of financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,347 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,347 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchase of fixed assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,901)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,901)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from sale of fixed assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of businesses, net of cash acquired</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net cash provided by (used in) investing activities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,000)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,000)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flows from financing activities</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid to ordinary shareholders</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Distributions on other equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(453)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(453)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid to non-controlling interests</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(41)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(41)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest paid on subordinated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,095)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,095)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from issue of subordinated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from issue of other equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Proceeds from issue of ordinary shares</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share buyback</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repayment of subordinated liabilities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,874)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,874)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchases and redemptions of other equity instruments</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net cash used in financing activities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,319)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,319)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Effects of exchange rate changes on cash and cash equivalents</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(196)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(196)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in cash and cash equivalents</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,656 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,638 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and cash equivalents at beginning of year</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57,811 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,696 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,507 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and cash equivalents at end of year</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75,467 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,678 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78,145 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 52(A): Consolidated cash flow statement for the year ended 31 December 2020</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Change in operating assets</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:67.421%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2021<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Adjustments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2022<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in financial assets held at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,634)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,652)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,894)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,894)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in other operating assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Change in operating assets</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,650)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,668)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 52(E): Consolidated cash flow statement for the year ended 31 December 2020</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(E) Analysis of cash and cash equivalents as shown in the balance sheet</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:67.421%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2021<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Adjustments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">As reported<br/>in 2022<br/>£m</span></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,257 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,257 </span></td><td style="border-right:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less mandatory reserve deposits</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,553)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,678 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,875)</span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,704 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,678 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,382 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks and reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,746 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,746 </span></td><td style="border-right:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less amounts with a maturity of three months or more</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,983)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,983)</span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,763 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,763 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total cash and cash equivalents</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75,467 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,678 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78,145 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Mandatory reserve deposits are held with local central banks in accordance with statutory requirements. Where these deposits are not held in demand accounts and are not available to finance the Group’s day-to-day operations they are excluded from cash and cash equivalents.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Comparatives have been restated as a result of the Group restructure effective from 1 July 2022 and other methodology changes (see note 4).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 4: Segmental analysis for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">As reported in 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance<br/>and Wealth<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,384 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,357 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,733 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,292 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,250 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,117 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,649 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,299 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(856)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,261 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,621 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,299 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,761)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,851)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(902)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(71)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,585)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(210)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(379)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,886)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,061)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(952)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(65)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,964)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,384)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,464)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(390)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,247)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,991 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">338 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(232)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,193 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,868 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,246 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,223 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,049)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,751)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">403 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,272 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,117 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,649 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,299 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">358,766 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142,042 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183,348 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">187,113 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">871,269 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits and repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">290,206 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">145,596 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,072 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,194 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">460,068 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">295,229 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">189,302 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">190,771 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146,554 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821,856 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">498 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">231 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">748 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">181 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">205 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,077 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">875 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,308 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(571)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(222)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(329)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,148)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">506 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">653 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,160 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease termination income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">787 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">147 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">349 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,389 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,055)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">830 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,319 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,158 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,580 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(702)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,355 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(92)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(519)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(356)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,733 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,292 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,250 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,760 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">263 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">159 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">550 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,732 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">97 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,684 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">112 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">980 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,901 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £127 million.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 4: Segmental analysis for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(167)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(127)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">136 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">307 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(176)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">307 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(176)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(206)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(430)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(617)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(206)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(430)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(617)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">256 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(97)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(81)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(220)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(99)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(451)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(369)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">354 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">238 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(191)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">307 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(176)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,987)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,051 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,064)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits and repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,596)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,666 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,072)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,415)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,417)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,595)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,720 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,125)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(69)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(70)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(130)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">145 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(144)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease termination income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(127)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">136 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 4: Segmental analysis for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">As reported in 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,380 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,528 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(118)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,606 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,428 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,241 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,986 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,956 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(856)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,130 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,928 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,967)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,281)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(832)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(122)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,202)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(210)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(379)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,092)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,491)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(882)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(116)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,581)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,128)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,561)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(390)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,081)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,910 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(124)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">239 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(283)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,742 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,499 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,600 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,238 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,049)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,513)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">356 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(115)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,272 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,986 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,956 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">350,779 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151,093 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">182,284 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">187,113 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">871,269 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279,610 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170,262 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">779 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">450,651 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">284,634 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214,022 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176,646 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146,554 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821,856 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">429 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">186 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">447 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">301 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">748 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">194 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">947 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,020 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">340 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,308 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(585)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(234)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(303)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,148)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">362 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">786 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,160 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease termination income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">792 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">198 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">349 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,338 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,055)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">830 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,365 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,163 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,529 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(702)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,355 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(521)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(325)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,606 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,428 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,241 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,760 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">263 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">159 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">550 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,732 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,684 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">112 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">980 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,901 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £127 million.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Note 4: Segmental analysis for the year ended 31 December 2020</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">As reported in 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility and other items</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,749 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(150)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,377 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, before operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,126 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">339 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(177)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,126 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(545)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(177)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,745)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,522 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,964)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment (charge) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,155)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,247)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">882 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,193 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.38pt">The Group’s insurance businesses’ income statements include income and expenditure which are attributable to the policyholders of the Group’s long-term assurance funds. These items have no impact in total upon the proﬁt attributable to equity shareholders and, in order to provide a clearer representation of the underlying trends within the business, these items are shown net within the underlying results.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.38pt">Net of proﬁts on disposal of operating lease assets of £249 million (2020: £127 million; 2019: £41 million).</span></div><div style="margin-bottom:8pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.38pt">Comprises the effects of market volatility and asset sales (losses of £59 million); the amortisation of purchased intangibles (£69 million); restructuring (£521 million, including severance costs, property transformation, technology research and development, regulatory programmes and merger, acquisition and integration costs); and the fair value unwind (losses of £233 million).</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Adjustments</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">restructuring</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">items</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, before operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(617)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(617)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment (charge) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(451)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(451)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">As reported in 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">restructuring</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">items</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,749 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(150)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,377 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,126 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(545)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(177)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,745)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">905 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,581)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment (charge) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,155)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,081)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">431 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,742 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 The Group’s insurance businesses’ income statements include income and expenditure which are attributable to the policyholders of the Group’s long-term assurance funds. These items have no impact in total upon the profit attributable to equity shareholders and, in order to provide a clearer representation of the underlying trends within the business, these items are shown net within the underlying results.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Net of profits on disposal of operating lease assets of £197 million (2021: £249 million; 2020: £127 million).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Comprises the effects of market volatility and asset sales (£59 million); the amortisation of purchased intangibles (£69 million); restructuring (£70 million of merger, acquisition and integration costs); and the fair value unwind (losses of £233 million).</span></div>
CY2020	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	1226000000	gbp
CY2020	lyg	Adjustments For Decrease Increase In Operating Assets AdjustmentsForDecreaseIncreaseInOperatingAssets	-17668000000	gbp
CY2020	lyg	Adjustments For Decrease Increase In Operating Liabilities AdjustmentsForDecreaseIncreaseInOperatingLiabilities	35737000000	gbp
CY2020	lyg	Adjustments For Noncash And Other Items AdjustmentsForNoncashAndOtherItems	9594000000	gbp
CY2020	ifrs-full	Income Taxes Paid Refund Classified As Operating Activities IncomeTaxesPaidRefundClassifiedAsOperatingActivities	736000000	gbp
CY2020	ifrs-full	Cash Flows From Used In Operating Activities CashFlowsFromUsedInOperatingActivities	28153000000	gbp
CY2020	ifrs-full	Purchase Of Financial Instruments Classified As Investing Activities PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities	8589000000	gbp
CY2020	ifrs-full	Proceeds From Sales Or Maturity Of Financial Instruments Classified As Investing Activities ProceedsFromSalesOrMaturityOfFinancialInstrumentsClassifiedAsInvestingActivities	6347000000	gbp
CY2020	ifrs-full	Purchase Of Property Plant And Equipment Classified As Investing Activities PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	2901000000	gbp
CY2020	ifrs-full	Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities	1146000000	gbp
CY2020	ifrs-full	Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities	3000000	gbp
CY2020	ifrs-full	Cash Flows From Used In Investing Activities CashFlowsFromUsedInInvestingActivities	-4000000000	gbp
CY2020	ifrs-full	Dividends Paid To Equity Holders Of Parent Classified As Financing Activities DividendsPaidToEquityHoldersOfParentClassifiedAsFinancingActivities	0	gbp
CY2020	lyg	Distributions On Other Equity Instruments DistributionsOnOtherEquityInstruments	453000000	gbp
CY2020	ifrs-full	Dividends Paid To Noncontrolling Interests Classified As Financing Activities DividendsPaidToNoncontrollingInterestsClassifiedAsFinancingActivities	41000000	gbp
CY2020	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	1095000000	gbp
CY2020	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	0	gbp
CY2020	ifrs-full	Proceeds From Issuing Other Equity Instruments ProceedsFromIssuingOtherEquityInstruments	0	gbp
CY2020	ifrs-full	Proceeds From Issue Of Ordinary Shares ProceedsFromIssueOfOrdinaryShares	144000000	gbp
CY2020	ifrs-full	Cancellation Of Treasury Shares CancellationOfTreasuryShares	0	gbp
CY2020	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	3874000000	gbp
CY2020	lyg	Redemptions Of Other Equity Instruments RedemptionsOfOtherEquityInstruments	0	gbp
CY2020	ifrs-full	Cash Flows From Used In Financing Activities CashFlowsFromUsedInFinancingActivities	-5319000000	gbp
CY2020	ifrs-full	Effect Of Exchange Rate Changes On Cash And Cash Equivalents EffectOfExchangeRateChangesOnCashAndCashEquivalents	-196000000	gbp
CY2020	ifrs-full	Increase Decrease In Cash And Cash Equivalents IncreaseDecreaseInCashAndCashEquivalents	18638000000	gbp
CY2019Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	59507000000	gbp
CY2020Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	78145000000	gbp
CY2020	lyg	Adjustments For Decrease Increase In Loans And Advances To Reconcile Profit Loss To Net Cash Flow From Used In Operating Activities AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToReconcileProfitLossToNetCashFlowFromUsedInOperatingActivities	-6652000000	gbp
CY2020	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss	8147000000	gbp
CY2020	lyg	Adjustments For Change In Derivative Financial Instruments Trading And Other Financial Assets At Fair Value Through Profit Or Loss To Reconcile Profit Loss To Net Cash Flow From Used In Operating AdjustmentsForChangeInDerivativeFinancialInstrumentsTradingAndOtherFinancialAssetsAtFairValueThroughProfitOrLossToReconcileProfitLossToNetCashFlowFromUsedInOperating	-2894000000	gbp
CY2020	ifrs-full	Adjustments For Decrease Increase In Other Assets AdjustmentsForDecreaseIncreaseInOtherAssets	25000000	gbp
CY2020	lyg	Increase Decrease In Operating Assets IncreaseDecreaseInOperatingAssets	-17668000000	gbp
CY2020Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	73257000000	gbp
CY2020Q4	ifrs-full	Mandatory Reserve Deposits At Central Banks MandatoryReserveDepositsAtCentralBanks	1875000000	gbp
CY2020Q4	ifrs-full	Bank Balances At Central Banks Other Than Mandatory Reserve Deposits BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits	71382000000	gbp
CY2020Q4	lyg	Loans And Advances To Banks And Reverse Repurchase Agreements LoansAndAdvancesToBanksAndReverseRepurchaseAgreements	10746000000	gbp
CY2020Q4	lyg	Loans And Advances To Banks Noncurrent LoansAndAdvancesToBanksNoncurrent	3983000000	gbp
CY2020Q4	lyg	Loans And Advances To Banks Current LoansAndAdvancesToBanksCurrent	6763000000	gbp
CY2020Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	78145000000	gbp
CY2020	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	127000000	gbp
CY2020	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	127000000	gbp
CY2021	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	249000000	gbp
CY2020	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	127000000	gbp
CY2019	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	41000000	gbp
CY2020	ifrs-full	Interest Revenue Expense InterestRevenueExpense	10749000000	gbp
CY2020	lyg	Other Income Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities OtherIncomeNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	4377000000	gbp
CY2020	lyg	Revenue Net Of Insurance Claims And Lease Depreciation Expense RevenueNetOfInsuranceClaimsAndLeaseDepreciationExpense	15126000000	gbp
CY2020	ifrs-full	Operating Expense OperatingExpense	9745000000	gbp
CY2020	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	4155000000	gbp
CY2020	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	1226000000	gbp
CY2022	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	197000000	gbp
CY2021	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	249000000	gbp
CY2020	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	127000000	gbp
CY2022	ifrs-full	Disclosure Of Accounting Judgements And Estimates Explanatory DisclosureOfAccountingJudgementsAndEstimatesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 3: CRITICAL ACCOUNTING JUDGEMENTS AND KEY SOURCES OF ESTIMATION UNCERTAINTY</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The preparation of the Group’s financial statements in accordance with IFRS requires management to make judgements, estimates and assumptions in applying the accounting policies that affect the reported amounts of assets, liabilities, income and expenses. Due to the inherent uncertainty in making estimates, actual results reported in future periods may be based upon amounts which differ from those estimates. Estimates, judgements and assumptions are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances. In preparing the financial statements, the Group has considered the impact of climate-related risks on its financial position and performance. While the effects of climate change represent a source of uncertainty, the Group does not consider there to be a material impact on its judgements and estimates from the physical, transition and other climate-related risks in the short term.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The significant judgements, apart from those involving estimation, made by management in applying the Group’s accounting policies in these financial statements (critical judgements) and the key sources of estimation uncertainty that may have a significant risk of causing a material adjustment to the carrying amount of assets and liabilities within the next financial year (key sources of estimation uncertainty), which together are considered critical to the Group’s results and financial position, are as follows:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Allowance for expected credit losses</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.182%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:69.618%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Critical judgements:</span></td><td colspan="3" style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Determining an appropriate definition of default against which a probability of default, exposure at default and loss given default parameter can be evaluated</span></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Establishing the criteria for a significant increase in credit risk (SICR)</span></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The use of management judgement alongside impairment modelling processes to adjust inputs, parameters and outputs to reflect risks not captured by models</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Key source of estimation uncertainty:</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Base case and multiple economic scenarios (MES) assumptions, including the rate of unemployment and the rate of change of house prices, required for creation of MES scenarios and forward-looking credit parameters</span></div></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group recognises an allowance for expected credit losses (ECLs) for loans and advances to customers and banks, other financial assets held at amortised cost, financial assets (other than equity investments) measured at fair value through other comprehensive income and certain loan commitment and financial guarantee contracts. At 31 December 2022, the Group’s expected credit loss allowance was £4,903 million (2021: £4,042 million), of which £4,580 million (2021: £3,842 million) was in respect of drawn balances</span><span style="color:#ff0090;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The calculation of the Group’s expected credit loss allowances and provisions against loan commitments and guarantees under IFRS 9 requires the Group to make a number of judgements, assumptions and estimates. Further information on the critical accounting judgements and key sources of estimation uncertainty (see above) and other significant judgements and estimates is set out in note 19. </span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Valuation of assets and liabilities arising from insurance business</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.182%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:69.618%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Critical judgement:</span></td><td colspan="3" style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Future economic and operating conditions</span></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty:</span></td><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Future investment returns</span></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Future mortality rates</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Future expenses</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These judgements and estimates are subject to significant uncertainty.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group recognised a value of in-force business asset of £5,244 million (2021: £5,317 million) and an acquired value of in-force business asset of £175 million (2021: £197 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The value of in-force business asset represents the estimated present value of future profits expected to arise from the portfolio of in-force life insurance and participating investment contracts. The valuation of this asset requires judgements to be made about future economic and operating conditions which are inherently uncertain and changes could significantly affect the value attributed to this asset. These judgements are used to determine appropriate assumptions for the asset’s valuation including the appropriate risk-free rate, retail price inflation and expense inflation. The methodology used to value this asset and the key assumptions that have been made in determining the carrying value of the value of in-force business asset at 31 December 2022 are set out in note 24.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group carried total liabilities arising from insurance contracts and participating investment contracts of £106,893 million (2021: £123,423 million). Elements of the valuations of liabilities arising from insurance contracts and participating investment contracts require management to estimate future investment returns, future mortality rates and future expenses. These estimates are subject to significant uncertainty. The methodology used to value these liabilities and the key assumptions that have been made in determining their carrying value are set out in note 31.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The effect of changes to critical estimates used by management to determine the life insurance assets and liabilities is set out in note 32, which presents the impact of changes to the estimates made on the Group’s profit before tax and shareholders’ equity as management believes that this analysis best presents these sensitivities in a manner that helps the user of the financial statements to understand the judgements made by management and the level of estimation uncertainty.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Defined benefit pension scheme obligations</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.182%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:69.618%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Critical judgement:</span></td><td colspan="3" style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Determination of an appropriate yield curve</span></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty:</span></td><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate applied to future cash flows</span></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected lifetime of the schemes’ members</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected rate of future inflationary increases</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The net asset recognised in the balance sheet at 31 December 2022 in respect of the Group’s defined benefit pension scheme obligations was £3,732 million comprising an asset of £3,823 million and a liability of £91 million (2021: a net asset of £4,404 million comprising an asset of £4,531 million and a liability of £127 million). The Group’s accounting policy for its defined benefit pension scheme obligations is set out in note 2(K).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The accounting valuation of the Group’s defined benefit pension schemes’ liabilities requires management to make a number of assumptions. The key sources of estimation uncertainty are the discount rate applied to future cash flows, the expected lifetime of the schemes’ members and the expected rate of future inflationary increases.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement and balance sheet sensitivities to changes in the critical accounting estimates and other actuarial assumptions are provided in part (v) of note 35.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Uncertain tax positions</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.182%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:69.618%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Critical judgement:</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interpreting tax rules on the Group’s open tax matters</span></div></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has an open matter in relation to a claim for group relief of losses incurred in its former Irish banking subsidiary, which ceased trading on 31 December 2010. In 2013, HMRC informed the Group that its interpretation of the UK rules means that the group relief is not available. In 2020, HMRC concluded their enquiry into the matter and issued a closure notice. The Group’s interpretation of the UK rules has not changed and hence it has appealed to the First Tier Tax Tribunal, with a hearing expected in 2023. If the final determination of the matter by the judicial process is that HMRC’s position is correct, management estimate that this would result in an increase in current tax liabilities of approximately £875 million (including interest) and a reduction in the Group’s deferred tax asset of approximately £295 million. The Group, having taken appropriate advice, does not consider that this is a case where additional tax will ultimately fall due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group makes other estimates in relation to tax which do not require significant judgements, see further discussion in note 36.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Regulatory and legal provisions</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.182%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:69.618%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Critical judgements:</span></td><td colspan="3" style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Determining the scope of reviews required by regulators</span></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The impact of legal decisions that may be relevant to claims received</span></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Determining whether a reliable estimate is available for obligations arising from past events</span></div></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Key sources of estimation uncertainty:</span></td><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The number of future complaints</span></td></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The proportion of complaints that will be upheld</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The average cost of redress</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group carried provisions of £803 million (2021: £1,156 million) against the cost of making redress payments to customers and the related administration costs in connection with historical regulatory breaches.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Determining the amount of the provisions, which represent management’s best estimate of the cost of settling these issues, requires the exercise of significant judgement and estimation. It will often be necessary to form a view on matters which are inherently uncertain, such as the scope of reviews required by regulators, and to estimate the number of future complaints, the extent to which they will be upheld, the average cost of redress and the impact of decisions reached by legal and other review processes that may be relevant to claims received. Consequently the continued appropriateness of the underlying assumptions is reviewed on a regular basis against actual experience and other relevant evidence and adjustments made to the provisions where appropriate. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Management has applied significant judgement in determining the provision required for HBOS Reading; further details are provided in note 37.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value of financial instruments</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.182%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:69.618%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Key source of estimation uncertainty:</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate spreads, earnings multiples and interest rate volatility</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the carrying value of the Group’s financial instrument assets held at fair value was £228,516 million (2021: £256,959 million), and its financial instrument liabilities held at fair value was £84,772 million (2021: £86,223 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s valuation control framework and a description of level 1, 2 and 3 financial assets and liabilities is set out in note 49(2). The valuation techniques for level 3 financial instruments involve management judgement and estimates, the extent of which depends on the complexity of the instrument and the availability of market observable information. In addition, in line with market practice, the Group applies credit, debit and funding valuation adjustments in determining the fair value of its uncollateralised derivative positions. A description of these adjustments is set out in note 49. A quantitative analysis of the sensitivities to market risk arising from the Group’s trading portfolios is set out in the tables marked audited on page <a href="#i3bd5112235c4436ea8860eca12ce4651_5503" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none">95</a>.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span id="i3c3dd04c7ee74818a149884a0e4c595b_399"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Capitalised software enhancements</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.182%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:69.618%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-left:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Critical judgement:</span></td><td colspan="3" style="border-right:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assessing future trading conditions that could affect the Group’s business operations</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-left:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Key source of estimation uncertainty:</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-right:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Estimated useful life of internally generated capitalised software</span></div></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the carrying value of the Group’s capitalised software enhancements was £4,060 million (2021: £3,435 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In determining the estimated useful life of capitalised software enhancements, management consider the product’s lifecycle and the Group’s technology strategy; assets are reviewed annually to assess whether there is any indication of impairment and to confirm that the remaining estimated useful life is still appropriate. For the year ended 31 December 2022, the amortisation charge was £833 million (2021: £892 million), and at 31 December 2022, the weighted-average remaining estimated useful life of the Group’s capitalised software enhancements was 4.5 years (2021: 4.7 years). If the Group reduced by one year the estimated useful life of those assets with a remaining estimated useful life of more than two years at 31 December 2022, the 2023 amortisation charge would be approximately £200 million higher.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Consideration of climate change </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial statement preparation includes the consideration of the impact of climate change on the Group’s financial statements. There has been no material impact identified on the financial reporting judgement and estimates. In particular, the directors considered the impact of climate change in respect of the:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Going concern of the Group for a period of at least 12 months from the date of approval of the financial statements</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Assessment of impairment of non-financial assets including goodwill</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Carrying value and useful economic lives of property, plant and equipment</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Fair value of financial assets and liabilities. These are generally based on market indicators which include the market’s assessment of climate risk</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Economic scenarios used for measurement of expected credit losses and the behavioural lifetime of assets against the expected time horizons of when climate risks may materialise</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Forecasting of the Group's future UK taxable profits, which impacts deferred tax recognition</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Whilst there is currently no material short-term impact of climate change expected, the Group acknowledges the long-term nature of climate risk and continues to monitor and assess climate risks highlighted in the risk management section on page <a href="#if787e051237d4380813ea48366877f0f_169" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none">63</a>.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following table demonstrates the effect of reasonably possible changes in key assumptions on profit before tax and equity disclosed in these financial statements assuming that the other assumptions remain unchanged. In practice this is unlikely to occur, and changes in some assumptions may be correlated. These amounts include movements in assets, liabilities and the value of the in-force business in respect of insurance contracts and participating investment contracts. The impact is shown in one direction but can be assumed to be reasonably symmetrical.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:43.995%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in variable</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase<br/>(reduction)<br/>in profit<br/>before tax<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase<br/>(reduction)<br/>in equity<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase<br/>(reduction)<br/>in profit<br/>before tax<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase<br/>(reduction)<br/>in equity<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Critical accounting estimates</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annuitant mortality</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(188)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(152)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(301)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(244)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Future maintenance and investment expenses</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">309</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">250</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Widening of credit default spreads</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% addition</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(284)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(230)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(433)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(351)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase in illiquidity premia</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10% addition</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">114</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">92</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">190 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other accounting estimates</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-annuitant mortality and morbidity</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lapse rates</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">6</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">122</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">99</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risk-free rate</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">7</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guaranteed annuity option take up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">8</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5% addition</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity investment volatility</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">9</span></div></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1% addition</span></div></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 This sensitivity shows the impact on the annuity and deferred annuity business of reducing mortality rates to 95 per cent of the expected rate. </span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 This sensitivity shows the impact of reducing maintenance expenses and investment expenses to 90 per cent of the expected rate.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 This sensitivity shows the impact of a 25 basis point increase in credit default spreads on corporate bonds and the corresponding reduction in market values. Swap curves, the risk-free rate and illiquidity premia are all assumed to be unchanged.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 This sensitivity shows the impact of a 10 basis point increase in the allowance for illiquidity premia. It assumes the overall spreads on assets are unchanged and hence market values are unchanged. Swap curves and the non-annuity risk-free rate are both assumed to be unchanged. The increased illiquidity premium increases the annuity risk-free rate.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 This sensitivity shows the impact of reducing mortality and morbidity rates on non-annuity business to 95 per cent of the expected rate.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 This sensitivity shows the impact of reducing lapse and surrender rates to 90 per cent of the expected rate.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7 This sensitivity shows the impact on the value of in-force business, financial options and guarantee costs, statutory reserves and asset values of reducing the risk-free rate by 25 basis points.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8 This sensitivity shows the impact of a flat 5 per cent addition to the expected rate. </span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9 This sensitivity shows the impact of a flat 1 per cent addition to the expected rate.</span></div>
CY2022Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4903000000	gbp
CY2021Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4042000000	gbp
CY2022Q4	lyg	Liabilities Arising From Insurance Contracts And Participating Investment Contracts LiabilitiesArisingFromInsuranceContractsAndParticipatingInvestmentContracts	106893000000	gbp
CY2021Q4	lyg	Liabilities Arising From Insurance Contracts And Participating Investment Contracts LiabilitiesArisingFromInsuranceContractsAndParticipatingInvestmentContracts	123423000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value FinancialAssetsAtFairValue	228516000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Fair Value FinancialAssetsAtFairValue	256959000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value FinancialLiabilitiesAtFairValue	84772000000	gbp
CY2021Q4	ifrs-full	Financial Liabilities At Fair Value FinancialLiabilitiesAtFairValue	86223000000	gbp
CY2021	lyg	Other Income Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities OtherIncomeNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	6958000000	gbp
CY2022	ifrs-full	Disclosure Of Entitys Reportable Segments Explanatory DisclosureOfEntitysReportableSegmentsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 4: SEGMENTAL ANALYSIS</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lloyds Banking Group provides a wide range of banking and financial services in the UK and in certain locations overseas.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group Executive Committee (GEC) has been determined to be the chief operating decision-maker, as defined by IFRS 8 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Operating Segments</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">, for the Group. The Group’s operating segments reflect its organisational and management structures. The GEC reviews the Group’s internal reporting based around these segments in order to assess performance and allocate resources. They consider interest income and expense on a net basis and consequently the total interest income and expense for all reportable segments is presented net. The segments are differentiated by the type of products provided and by whether the customers are individuals or corporate entities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The segmental results and comparatives are presented on an underlying basis (pre-tax), the basis reviewed by the chief operating decision-maker. The underlying basis is derived from the recognition and measurement principles of IFRS with the effects of the following excluded in arriving at underlying profit before tax:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Restructuring costs relating to merger, acquisition and integration activities</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Volatility and other items, which includes the effects of certain asset sales, the volatility relating to the Group’s hedging arrangements and that arising in the insurance businesses, the unwind of acquisition-related fair value adjustments and the amortisation of purchased intangible assets</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Payment protection insurance remediation provisions, excluding litigation costs</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the purposes of the underlying income statement, operating lease depreciation (net of gains on disposal of operating lease assets) is shown as an adjustment to total underlying income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During the year ended 31 December 2022, there were changes as a result of the Group restructure effective from 1 July 2022 and other methodology changes (comparatives have been restated accordingly):</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Business Banking and Commercial Cards moved from Retail to Commercial Banking. Wealth moved from Insurance and Wealth to Retail.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance and Wealth was renamed Insurance, Pensions and Investments.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The Group reviewed and updated its methodology for liquidity transfer pricing between segments.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The Group revised the treatment of restructuring costs and all such costs other than those relating to merger, acquisition and integration activities are now reported within operating costs in arriving at underlying profit.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Non lending-related fraud costs, previously included within underlying impairment, are now reported as part of operating costs (this has not impacted the statutory impairment charge).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group's restructure created a revised organisational structure under its divisions. The Group completed a review and determined that it had three operating and reportable segments: Retail; Commercial Banking; and Insurance, Pensions and Investments:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Retail offers a broad range of financial services products to personal customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Commercial Banking serves small and medium businesses as well as corporate and institutional clients, providing lending, transactional banking, working capital management, debt financing and risk management services.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance, Pensions and Investments offers insurance, investment and pension management products and services. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other comprises income and expenditure not attributed to the Group’s operating segments. These amounts include those arising from the Group’s equities business, residual net interest income after transfer pricing (including the central recovery of the Group’s distributions on other equity instruments) and certain gains from gilt sales.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment services are generally recharged at cost, although some attract a margin. In particular, a profit margin is charged on the internal commission arrangements between the branch network and other distribution channels and the insurance product manufacturing businesses within the Group. Inter-segment lending and deposits are generally entered into at market rates, except that non-interest bearing balances are priced at a rate that reflects the external yield that could be earned on such funds.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the majority of those derivative contracts entered into by business units for risk management purposes, the business unit recognises the net interest income or expense on an accrual accounting basis and transfers the remainder of the movement in the fair value of the derivative to the central function where the resulting accounting volatility is managed where possible through the establishment of hedge accounting relationships. Any change in fair value of the hedged instrument attributable to the hedged risk is also recorded within the central function. This allocation of the fair value of the derivative and change in fair value of the hedged instrument attributable to the hedged risk avoids accounting asymmetry in segmental results and leads to accounting volatility, which is managed centrally and reported within Other.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Retail<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Year ended 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,774</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,447</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(101)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,172</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,731</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,565</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,576</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">377</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,249</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,505</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,012</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,475</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">429</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,421</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(368)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(373)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,137</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,007</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,475</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">429</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,048</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,175)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,496)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,042)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(122)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(8,835)</span></td><td style="border-right:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(92)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(133)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(30)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(255)</span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,267)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,629)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,072)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(122)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9,090)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment (charge) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,373)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(517)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">392</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,510)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit before tax</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,497</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,861</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">391</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">699</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,448</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,055</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,330</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,526</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">510</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,421</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(550)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">682</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(51)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(81)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,505</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,012</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,475</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">429</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,421</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">372,485</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">147,477</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">175,212</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">182,655</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">877,829</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">310,765</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">163,828</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">738</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,331</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">314,091</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">202,070</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">169,182</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">144,965</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">830,308</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £197 million.</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Retail<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Year ended 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">421</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">225</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">646</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">735</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">460</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,195</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">310</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">311</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">169</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">271</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">519</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,220</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,243</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">356</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,835</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(665)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(315)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(334)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,332)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">555</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">928</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,503</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,065</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,077</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">144</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">145</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">92</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">92</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">69</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(793)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,320</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,771</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,190)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,836</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,361</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(753)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,915</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">223</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,746</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(185)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,390</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,361)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">156</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,731</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,565</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,576</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">377</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,249</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,216</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">207</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">142</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">831</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,396</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(80)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(80)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">125</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,146</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">101</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">151</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,457</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,855</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">381</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">385</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,577 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,602 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(103)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,163 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,597 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,442 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,406 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,060 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,174 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,044 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,303 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">702 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,223 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(442)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,732 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,026 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,303 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">702 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,763 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,987)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,288)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(899)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(138)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,312)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(360)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(830)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(123)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,300)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,347)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,118)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,022)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,612)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">447 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">936 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,385 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit before tax</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,832 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,844 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">281 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">579 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,536 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,260 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,883 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,323 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(243)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,223 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,086)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">161 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(20)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">945 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,174 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,044 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,303 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">702 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,223 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:9pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">364,179 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144,390 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">195,039 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">182,917 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">886,525 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308,412 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">167,530 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">402 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312,594 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204,641 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">188,372 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">127,766 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">833,373 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated, see page F-<a href="#if787e051237d4380813ea48366877f0f_415" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">34</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:underline">.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of profits on disposal of operating lease assets of £249 million.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">425 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">638 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">533 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">350 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">883 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">376 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">485 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,023 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,198 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">326 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,608 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(571)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(271)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(313)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(30)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,185)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">452 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">927 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,423 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,046 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,059 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">186 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">186 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">926 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">345 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,323 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">136 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">119 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,766 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(950)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,071 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,234 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,053 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,952 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(602)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,637 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(89)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(538)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(559)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,186 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,597 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,442 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,406 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,060 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,525 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">283 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">847 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,825 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(70)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(70)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">91 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">236 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,921 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">179 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,011 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,228 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">346 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">352 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated, see page F-<a href="#if787e051237d4380813ea48366877f0f_415" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">34</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:underline">.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,380 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,528 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(118)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,606 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,428 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,241 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,986 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,956 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(856)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,130 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,928 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying operating costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,967)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,281)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(832)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(122)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,202)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remediation</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(210)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(379)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total underlying costs</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,092)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,491)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(882)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(116)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,581)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying impairment charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,128)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,561)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(390)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,081)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Underlying profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,910 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(124)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">239 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(283)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,742 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">External income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,499 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,600 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,238 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,049)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment (expense) income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,513)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">356 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(115)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,272 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,986 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,956 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,123 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,288 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">350,779 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151,093 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">182,284 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">187,113 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">871,269 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279,610 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170,262 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">779 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">450,651 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment external liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">284,634 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214,022 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176,646 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146,554 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821,856 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated, see page F-<a href="#if787e051237d4380813ea48366877f0f_415" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">34</a>.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of profits on disposal of operating lease assets of £127 million.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Retail<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Commercial<br/>Banking<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance, Pensions and Investments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">429 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">186 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">447 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">301 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">748 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">194 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">947 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,020 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">340 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,308 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(585)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(234)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(303)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,148)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">362 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">786 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,160 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,103 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease termination income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading income</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">792 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">204 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,060 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance and other, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">198 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">349 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,338 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,055)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">830 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other external income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,365 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,163 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,529 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(702)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,355 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(521)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(325)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Segment underlying other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,606 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,428 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,241 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">240 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other segment items reflected in income statement above:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,760 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">263 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">159 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">550 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,732 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit scheme charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-income statement segment items:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions to fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,684 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">112 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">980 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,901 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investments in joint ventures and associates at end of year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated, see page F-<a href="#if787e051237d4380813ea48366877f0f_415" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">34</a>.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Geographical areas</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s operations are predominantly UK-based and as a result an analysis between UK and non-UK activities is not provided.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="i9c7bdc731b7944a38328bf2b0da65b66_332"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Reconciliation of underlying basis to statutory results</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The underlying basis is the basis on which financial information is presented to the chief operating decision-maker which excludes certain items included in the statutory results. The table below reconciles the statutory results to the underlying basis.</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="6" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:45pt"><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">restructuring</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">items</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Year ended 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,957</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">226</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,011)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,172</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,252</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">120</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">877</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,249</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(373)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(373)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,209</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(27)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(134)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,048</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9,759)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">535</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9,090)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment charge</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,522)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,510)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,928</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,448</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="6" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:45pt"><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">restructuring</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">items</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">4</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,366 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">255 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,542 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,163 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,958 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(139)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,759)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,060 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,324 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(344)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(217)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,763 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,800)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">971 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">217 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,612)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,378 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,385 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,902 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">634 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,536 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.466%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.470%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="6" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Lloyds Banking<br/>Group statutory<br/>£m</span></td><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Removal of:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:45pt"><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Volatility,</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">restructuring</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">and other</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">items</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">5</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">gross up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">PPI<br/>remediation<br/>£m</span></td><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Underlying<br/>basis<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,749 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(150)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,773 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other income, net of insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,377 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">165 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,515 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease depreciation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(884)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total income, net of insurance claims and changes in insurance and investment contract liabilities / Underlying income, net of operating lease depreciation</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,126 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(545)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(177)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,404 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,745)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">905 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,581)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment (charge) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,155)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,081)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">431 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,742 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 In the year ended 31 December 2022 this comprises the effects of market volatility and asset sales (losses of £252 million); the amortisation of purchased intangibles (£70 million); restructuring (£80 million of merger, acquisition and integration costs); and the fair value unwind (losses of £118 million).</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 The Group’s insurance businesses’ income statements include income and expenditure which are attributable to the policyholders of the Group’s long-term assurance funds. These items have no impact in total upon the profit attributable to equity shareholders and, in order to provide a clearer representation of the underlying trends within the business, these items are shown net within the underlying results.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Net of profits on disposal of operating lease assets of £197 million (2021: £249 million; 2020: £127 million).</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Comprises the effects of market volatility and asset sales (gain of £87 million); the amortisation of purchased intangibles (£70 million); restructuring (£452 million, including a software write-off as a result of investment in new technology and systems infrastructure together with merger, acquisition and integration costs); and the fair value unwind (losses of £199 million).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Comprises the effects of market volatility and asset sales (losses of £59 million); the amortisation of purchased intangibles (£69 million); restructuring (£70 million of merger, acquisition and integration costs); and the fair value unwind (losses of £233 million).</span></div>
CY2022	ifrs-full	Description Of Accounting Policy For Segment Reporting Explanatory DescriptionOfAccountingPolicyForSegmentReportingExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lloyds Banking Group provides a wide range of banking and financial services in the UK and in certain locations overseas.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group Executive Committee (GEC) has been determined to be the chief operating decision-maker, as defined by IFRS 8 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Operating Segments</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">, for the Group. The Group’s operating segments reflect its organisational and management structures. The GEC reviews the Group’s internal reporting based around these segments in order to assess performance and allocate resources. They consider interest income and expense on a net basis and consequently the total interest income and expense for all reportable segments is presented net. The segments are differentiated by the type of products provided and by whether the customers are individuals or corporate entities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The segmental results and comparatives are presented on an underlying basis (pre-tax), the basis reviewed by the chief operating decision-maker. The underlying basis is derived from the recognition and measurement principles of IFRS with the effects of the following excluded in arriving at underlying profit before tax:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Restructuring costs relating to merger, acquisition and integration activities</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Volatility and other items, which includes the effects of certain asset sales, the volatility relating to the Group’s hedging arrangements and that arising in the insurance businesses, the unwind of acquisition-related fair value adjustments and the amortisation of purchased intangible assets</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Payment protection insurance remediation provisions, excluding litigation costs</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the purposes of the underlying income statement, operating lease depreciation (net of gains on disposal of operating lease assets) is shown as an adjustment to total underlying income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During the year ended 31 December 2022, there were changes as a result of the Group restructure effective from 1 July 2022 and other methodology changes (comparatives have been restated accordingly):</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Business Banking and Commercial Cards moved from Retail to Commercial Banking. Wealth moved from Insurance and Wealth to Retail.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance and Wealth was renamed Insurance, Pensions and Investments.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The Group reviewed and updated its methodology for liquidity transfer pricing between segments.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The Group revised the treatment of restructuring costs and all such costs other than those relating to merger, acquisition and integration activities are now reported within operating costs in arriving at underlying profit.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Non lending-related fraud costs, previously included within underlying impairment, are now reported as part of operating costs (this has not impacted the statutory impairment charge).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group's restructure created a revised organisational structure under its divisions. The Group completed a review and determined that it had three operating and reportable segments: Retail; Commercial Banking; and Insurance, Pensions and Investments:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Retail offers a broad range of financial services products to personal customers, including current accounts, savings, mortgages, credit cards, unsecured loans, motor finance and leasing solutions.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Commercial Banking serves small and medium businesses as well as corporate and institutional clients, providing lending, transactional banking, working capital management, debt financing and risk management services.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Insurance, Pensions and Investments offers insurance, investment and pension management products and services. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other comprises income and expenditure not attributed to the Group’s operating segments. These amounts include those arising from the Group’s equities business, residual net interest income after transfer pricing (including the central recovery of the Group’s distributions on other equity instruments) and certain gains from gilt sales.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inter-segment services are generally recharged at cost, although some attract a margin. In particular, a profit margin is charged on the internal commission arrangements between the branch network and other distribution channels and the insurance product manufacturing businesses within the Group. Inter-segment lending and deposits are generally entered into at market rates, except that non-interest bearing balances are priced at a rate that reflects the external yield that could be earned on such funds.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the majority of those derivative contracts entered into by business units for risk management purposes, the business unit recognises the net interest income or expense on an accrual accounting basis and transfers the remainder of the movement in the fair value of the derivative to the central function where the resulting accounting volatility is managed where possible through the establishment of hedge accounting relationships. Any change in fair value of the hedged instrument attributable to the hedged risk is also recorded within the central function. This allocation of the fair value of the derivative and change in fair value of the hedged instrument attributable to the hedged risk avoids accounting asymmetry in segmental results and leads to accounting volatility, which is managed centrally and reported within Other.</span></div>
CY2022	lyg	Number Of Operating Segments NumberOfOperatingSegments	3	segment
CY2022	lyg	Number Of Reporting Segments NumberOfReportingSegments	3	segment
CY2022	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	197000000	gbp
CY2021	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	249000000	gbp
CY2021	lyg	Inter Segment Income Other InterSegmentIncomeOther	0	gbp
CY2020	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	127000000	gbp
CY2022	ifrs-full	Interest Revenue Expense InterestRevenueExpense	13957000000	gbp
CY2022	lyg	Other Income Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities OtherIncomeNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	4252000000	gbp
CY2022	lyg	Revenue Net Of Insurance Claims And Lease Depreciation Expense RevenueNetOfInsuranceClaimsAndLeaseDepreciationExpense	18209000000	gbp
CY2022	ifrs-full	Operating Expense OperatingExpense	9759000000	gbp
CY2022	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	1522000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6928000000	gbp
CY2021	ifrs-full	Interest Revenue Expense InterestRevenueExpense	9366000000	gbp
CY2021	lyg	Revenue Net Of Insurance Claims And Lease Depreciation Expense RevenueNetOfInsuranceClaimsAndLeaseDepreciationExpense	16324000000	gbp
CY2020	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1148000000	gbp
CY2022Q4	ifrs-full	Borrowings Interest Rate BorrowingsInterestRate	0.0367
CY2021	ifrs-full	Operating Expense OperatingExpense	10800000000	gbp
CY2021	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	-1378000000	gbp
CY2021	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6902000000	gbp
CY2020	ifrs-full	Interest Revenue Expense InterestRevenueExpense	10749000000	gbp
CY2020	lyg	Other Income Net Of Insurance Claims And Changes In Insurance And Investment Contract Liabilities OtherIncomeNetOfInsuranceClaimsAndChangesInInsuranceAndInvestmentContractLiabilities	4377000000	gbp
CY2020	lyg	Revenue Net Of Insurance Claims And Lease Depreciation Expense RevenueNetOfInsuranceClaimsAndLeaseDepreciationExpense	15126000000	gbp
CY2020	ifrs-full	Operating Expense OperatingExpense	9745000000	gbp
CY2020	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	4155000000	gbp
CY2020	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	1226000000	gbp
CY2022	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	197000000	gbp
CY2021	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	249000000	gbp
CY2020	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	127000000	gbp
CY2022	ifrs-full	Disclosure Of Interest Income Expense Explanatory DisclosureOfInterestIncomeExpenseExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 5: NET INTEREST INCOME</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:51.315%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.666%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Weighted average effective interest rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks and reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.24 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,313</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">203 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers and reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.51 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.72 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,217</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,633 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,704 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.85</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.46 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.81 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">168</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">97 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.70</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.35 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,698</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,817 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,004 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.97</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.67 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">947</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">441 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">302 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total interest income</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.13 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.30 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,645</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,258 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,306 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.87</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.75 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.84 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(148)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(74)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(113)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.40</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.32 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,387)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(426)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,091)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.82</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.36 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(842)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(117)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.13 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.37 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,636)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(900)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,313)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.19</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.12 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.39 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(32)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(41)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.92 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.29 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(681)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(932)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,057)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities held at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.97</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.50 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.74 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,723)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,386)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,732)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts payable to unitholders in consolidated open-ended investment vehicles</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.47)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.53 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.58)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,035</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,506)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">175 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total interest expense</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.74</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.80 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.69 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,688)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,892)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,557)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,957</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,366 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,749 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes £21 million (2021: £10 million; 2020: £10 million) of interest income on liabilities with negative interest rates, £37 million (2021: £47 million; 2020: £47 million) in respect of interest income on finance leases and £687 million (2021: £701 million) in respect of hire purchase receivables.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 The impact of the Group’s hedging arrangements is included on this line; excluding this impact the weighted average effective interest rate in respect of debt securities in issue would be 3.67 per cent (2021: 1.77 per cent; 2020: 2.28 per cent).</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Where a collective investment vehicle is consolidated the interests of parties other than the Group are reported in other liabilities and the movement in these interests in interest expense. </span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Includes £23 million (2021: £2 million; 2020: £24 million) of interest expense on assets with negative interest rates.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Included within interest income is £272 million (2021: £174 million; 2020: £171 million) in respect of credit-impaired financial assets. Net interest income also includes a debit of £43 million (2021: credit of £621 million; 2020: credit of £496 million) transferred from the cash flow hedging reserve (see note 41).</span></div>
CY2022	ifrs-full	Disclosure Of Interest Income Explanatory DisclosureOfInterestIncomeExplanatory	<div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:51.315%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.666%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Weighted average effective interest rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks and reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.24 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,313</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">203 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers and reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.51 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.72 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,217</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,633 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,704 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.85</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.46 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.81 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">168</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">97 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets held at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.70</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.15 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.35 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,698</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,817 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,004 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.97</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.67 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">947</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">441 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">302 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total interest income</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.13 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.30 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,645</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,258 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,306 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.87</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.75 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.84 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(148)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(74)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(113)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.40</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.32 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,387)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(426)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,091)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.82</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.36 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(842)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(117)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.13 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.37 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,636)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(900)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,313)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.19</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.12 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.39 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(32)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(41)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.92 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.29 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(681)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(932)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,057)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities held at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.97</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.50 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.74 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,723)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,386)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,732)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amounts payable to unitholders in consolidated open-ended investment vehicles</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.47)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.53 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.58)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,035</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,506)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">175 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total interest expense</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.74</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.80 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.69 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,688)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,892)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,557)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net interest income</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,957</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,366 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,749 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes £21 million (2021: £10 million; 2020: £10 million) of interest income on liabilities with negative interest rates, £37 million (2021: £47 million; 2020: £47 million) in respect of interest income on finance leases and £687 million (2021: £701 million) in respect of hire purchase receivables.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 The impact of the Group’s hedging arrangements is included on this line; excluding this impact the weighted average effective interest rate in respect of debt securities in issue would be 3.67 per cent (2021: 1.77 per cent; 2020: 2.28 per cent).</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Where a collective investment vehicle is consolidated the interests of parties other than the Group are reported in other liabilities and the movement in these interests in interest expense. </span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Includes £23 million (2021: £2 million; 2020: £24 million) of interest expense on assets with negative interest rates.</span></div>
CY2022	ifrs-full	Interest Revenue Expense InterestRevenueExpense	13957000000	gbp
CY2021	ifrs-full	Interest Revenue Expense InterestRevenueExpense	9366000000	gbp
CY2020	ifrs-full	Interest Revenue Expense InterestRevenueExpense	10749000000	gbp
CY2021Q4	ifrs-full	Borrowings Interest Rate BorrowingsInterestRate	0.0177
CY2020Q4	ifrs-full	Borrowings Interest Rate BorrowingsInterestRate	0.0228
CY2022	ifrs-full	Interest Income On Impaired Financial Assets Accrued InterestIncomeOnImpairedFinancialAssetsAccrued	272000000	gbp
CY2021	ifrs-full	Interest Income On Impaired Financial Assets Accrued InterestIncomeOnImpairedFinancialAssetsAccrued	174000000	gbp
CY2020	ifrs-full	Interest Income On Impaired Financial Assets Accrued InterestIncomeOnImpairedFinancialAssetsAccrued	171000000	gbp
CY2022	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	-43000000	gbp
CY2021	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	621000000	gbp
CY2020	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Before Tax ReclassificationAdjustmentsOnCashFlowHedgesBeforeTax	496000000	gbp
CY2022	ifrs-full	Disclosure Of Fee And Commission Income Expense Explanatory DisclosureOfFeeAndCommissionIncomeExpenseExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 6: NET FEE AND COMMISSION INCOME</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission income:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current accounts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">646</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">638 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">615 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and debit card fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,195</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">883 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">748 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial banking and treasury fees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">311</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">413 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">274 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unit trust and insurance broking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">113 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Factoring</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other fees and commissions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">519</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">485 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total fee and commission income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,835</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,608 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,308 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fee and commission expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,332)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,185)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,148)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net fee and commission income</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,503</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,423 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,160 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fees and commissions which are an integral part of the effective interest rate form part of net interest income shown in note 5. Fees and commissions relating to instruments that are held at fair value through profit or loss are included within net trading income shown in note 7.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In determining the disaggregation of fees and commissions the Group has considered how the nature, amount, timing and uncertainty of revenue and cash flows are affected by economic factors, including those that are impacted by climate-related factors. It has determined that the above disaggregation by product type provides useful information that does not aggregate items that have substantially different characteristics and is not too detailed.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group held on its balance sheet £173 million (31 December 2021: £201 million) in respect of services provided to customers and £74 million (31 December 2021: £84 million) in respect of amounts received from customers for services to be provided after the balance sheet date. Current unsatisfied performance obligations amount to £149 million (31 December 2021: £157 million); the Group expects to receive substantially all of this revenue by 2024.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income recognised during the year included £8 million (2021: £16 million) in respect of amounts included in the contract liability balance at the start of the year and £1 million (2021: £2 million) in respect of amounts from performance obligations satisfied in previous years.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The most significant performance obligations undertaken by the Group are in respect of current accounts, the provision of other banking services for commercial customers and credit and debit card services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In respect of current accounts, the Group receives fees for the provision of bank account and transaction services such as ATM services, fund transfers, overdraft facilities and other value-added offerings.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For commercial customers, alongside its provision of current accounts, the Group provides other corporate banking services including factoring and commitments to provide loan financing. Loan commitment fees are included in fees and commissions where the loan is not expected to be drawn down by the customer.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group receives interchange and merchant fees, together with fees for overseas use and cash advances, for provision of card services to cardholders and merchants.</span></div>
CY2022	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2835000000	gbp
CY2021	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2608000000	gbp
CY2020	ifrs-full	Fee And Commission Income FeeAndCommissionIncome	2308000000	gbp
CY2022	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1332000000	gbp
CY2021	ifrs-full	Fee And Commission Expense FeeAndCommissionExpense	1185000000	gbp
CY2022	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1503000000	gbp
CY2021	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1423000000	gbp
CY2020	ifrs-full	Fee And Commission Income Expense FeeAndCommissionIncomeExpense	1160000000	gbp
CY2022Q4	ifrs-full	Receivables From Contracts With Customers ReceivablesFromContractsWithCustomers	173000000	gbp
CY2021Q4	ifrs-full	Receivables From Contracts With Customers ReceivablesFromContractsWithCustomers	201000000	gbp
CY2022Q4	ifrs-full	Transaction Price Allocated To Remaining Performance Obligations TransactionPriceAllocatedToRemainingPerformanceObligations	149000000	gbp
CY2021Q4	ifrs-full	Transaction Price Allocated To Remaining Performance Obligations TransactionPriceAllocatedToRemainingPerformanceObligations	157000000	gbp
CY2022Q4	ifrs-full	Current Contract Liabilities CurrentContractLiabilities	8000000	gbp
CY2021Q4	ifrs-full	Current Contract Liabilities CurrentContractLiabilities	16000000	gbp
CY2022	ifrs-full	Revenue From Performance Obligations Satisfied Or Partially Satisfied In Previous Periods RevenueFromPerformanceObligationsSatisfiedOrPartiallySatisfiedInPreviousPeriods	1000000	gbp
CY2021	ifrs-full	Revenue From Performance Obligations Satisfied Or Partially Satisfied In Previous Periods RevenueFromPerformanceObligationsSatisfiedOrPartiallySatisfiedInPreviousPeriods	2000000	gbp
CY2022	ifrs-full	Disclosure Of Trading Income Expense Explanatory DisclosureOfTradingIncomeExpenseExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 7: NET TRADING INCOME</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange translation (losses) gains</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,318)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">212 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains on foreign exchange trading transactions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">255</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">394 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">527 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total foreign exchange</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,063)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">606 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">539 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment property (losses) gains (note 26)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(511)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">575 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(209)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities and other (losses) gains (see below)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(18,413)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,019 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,890 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net trading income</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(19,987)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,200 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,220 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securities and other gains comprise net gains (losses) arising on assets and liabilities held at fair value through profit or loss as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net income arising on assets and liabilities mandatorily held at fair value through profit or loss:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial instruments held for trading</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,049)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">141 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">724 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial instruments mandatorily held at fair value through profit or loss:</span></td><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-right:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities, loans and advances</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,677)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,153)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,554 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9,533)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,096 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,729 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(18,259)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,084 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,007 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net expense arising on assets and liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(154)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(65)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(117)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Securities and other (losses) gains</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(18,413)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,019 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,890 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes hedge ineffectiveness in respect of fair value hedges (2022: loss of £41 million, 2021: gain of £177 million; 2020: gain of £547 million) and cash flow hedges (2022: loss of £10 million, 2021: loss of £69 million; 2020: loss of £2 million).</span></div>
CY2022	ifrs-full	Gains Losses On Exchange Differences On Translation Net Of Tax GainsLossesOnExchangeDifferencesOnTranslationNetOfTax	-1318000000	gbp
CY2021	ifrs-full	Gains Losses On Exchange Differences On Translation Net Of Tax GainsLossesOnExchangeDifferencesOnTranslationNetOfTax	212000000	gbp
CY2020	ifrs-full	Gains Losses On Exchange Differences On Translation Net Of Tax GainsLossesOnExchangeDifferencesOnTranslationNetOfTax	12000000	gbp
CY2022	ifrs-full	Trading Income Expense On Foreign Exchange Contracts TradingIncomeExpenseOnForeignExchangeContracts	255000000	gbp
CY2021	ifrs-full	Trading Income Expense On Foreign Exchange Contracts TradingIncomeExpenseOnForeignExchangeContracts	394000000	gbp
CY2020	ifrs-full	Trading Income Expense On Foreign Exchange Contracts TradingIncomeExpenseOnForeignExchangeContracts	527000000	gbp
CY2022	ifrs-full	Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss	-1063000000	gbp
CY2021	ifrs-full	Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss	606000000	gbp
CY2020	ifrs-full	Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss GainsLossesOnExchangeDifferencesOnTranslationRecognisedInProfitOrLoss	539000000	gbp
CY2022	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	-511000000	gbp
CY2021	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	575000000	gbp
CY2020	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	-209000000	gbp
CY2022	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndTrading	-18413000000	gbp
CY2021	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndTrading	16019000000	gbp
CY2020	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndTrading	6890000000	gbp
CY2022	ifrs-full	Trading Income Expense TradingIncomeExpense	-19987000000	gbp
CY2021	ifrs-full	Trading Income Expense TradingIncomeExpense	17200000000	gbp
CY2020	ifrs-full	Trading Income Expense TradingIncomeExpense	7220000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	-1049000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	141000000	gbp
CY2020	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	724000000	gbp
CY2022	lyg	Gains Losses On Debt Securities Loans And Advances At Fair Value Through Profitor Loss GainsLossesOnDebtSecuritiesLoansAndAdvancesAtFairValueThroughProfitorLoss	-7677000000	gbp
CY2021	lyg	Gains Losses On Debt Securities Loans And Advances At Fair Value Through Profitor Loss GainsLossesOnDebtSecuritiesLoansAndAdvancesAtFairValueThroughProfitorLoss	-1153000000	gbp
CY2020	lyg	Gains Losses On Debt Securities Loans And Advances At Fair Value Through Profitor Loss GainsLossesOnDebtSecuritiesLoansAndAdvancesAtFairValueThroughProfitorLoss	3554000000	gbp
CY2022	lyg	Gains Losses Recognised In Profit Or Loss Fair Value Measurement Held Equity Instruments GainsLossesRecognisedInProfitOrLossFairValueMeasurementHeldEquityInstruments	-9533000000	gbp
CY2021	lyg	Gains Losses Recognised In Profit Or Loss Fair Value Measurement Held Equity Instruments GainsLossesRecognisedInProfitOrLossFairValueMeasurementHeldEquityInstruments	17096000000	gbp
CY2020	lyg	Gains Losses Recognised In Profit Or Loss Fair Value Measurement Held Equity Instruments GainsLossesRecognisedInProfitOrLossFairValueMeasurementHeldEquityInstruments	2729000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue	-18259000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue	16084000000	gbp
CY2020	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue	7007000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition	-154000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition	-65000000	gbp
CY2020	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition	-117000000	gbp
CY2022	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And For Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndForTrading	-18413000000	gbp
CY2021	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And For Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndForTrading	16019000000	gbp
CY2020	lyg	Net Gain Loss On Assets And Liabilities At Fair Value Through Profit Or Loss And For Trading NetGainLossOnAssetsAndLiabilitiesAtFairValueThroughProfitOrLossAndForTrading	6890000000	gbp
CY2022	ifrs-full	Disclosure Of Insurance Premium Revenue Explanatory DisclosureOfInsurancePremiumRevenueExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 8: INSURANCE PREMIUM INCOME</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Life insurance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross premiums:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life and pensions, excluding annuities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,711</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,515 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,941 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,190</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">531 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,378 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,901</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,046 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,319 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Ceded reinsurance premiums</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(369)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(376)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(333)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net earned premiums</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,532</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,670 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,986 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-life insurance</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net earned premiums</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">613 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">629 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total insurance premium income</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,059</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,283 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,615 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022	ifrs-full	Net Earned Premium NetEarnedPremium	9059000000	gbp
CY2021	ifrs-full	Net Earned Premium NetEarnedPremium	8283000000	gbp
CY2020	ifrs-full	Net Earned Premium NetEarnedPremium	8615000000	gbp
CY2022	ifrs-full	Disclosure Of Other Operating Income Expense Explanatory DisclosureOfOtherOperatingIncomeExpenseExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 9: OTHER OPERATING INCOME</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease rental income</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,077</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,059 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income from investment properties (note 26)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">145</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">186 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains less losses on disposal of financial assets at fair value through other comprehensive income (note 41)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">92</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">149 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movement in value of in-force business (note 24)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(80)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(70)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liability management</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(31)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(145)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of results of joint ventures and associates (note 22)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total other operating income</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,276</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,172 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,423 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022	ifrs-full	Disclosure Of Claims And Benefits Paid Explanatory DisclosureOfClaimsAndBenefitsPaidExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 10: INSURANCE CLAIMS AND CHANGES IN INSURANCE AND INVESTMENT CONTRACT LIABILITIES</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Life insurance and participating investment contracts</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Claims and surrenders</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(8,270)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,063)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,670)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in insurance and participating investment contracts (note 31)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,624</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,474)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,590)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,354</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16,537)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12,260)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-participating investment contracts</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in non-participating investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,166</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,581)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,938)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,520</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(21,118)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,198)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reinsurers’ share</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">234</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">285 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">418 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,754</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(20,833)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13,780)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in unallocated surplus</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total life insurance and investment contracts</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,814</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(20,798)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13,723)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-life insurance</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total non-life insurance claims, net of reinsurance</span></td><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(413)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(322)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(318)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total insurance claims and changes in insurance and investment contract liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,401</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(21,120)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,041)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reinsurers’ share compromises a credit of £nil (2021: charge of £5 million) in respect of contracts classified as financial assets at fair value through profit or loss and a credit of £234 million (2021: credit of £290 million) in respect of contracts classified as reinsurance contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total non-life insurance claims, net of reinsurance, in 2022 included weather-related claims of £116 million (2021: £30 million). Of this, £108 million (2021: £11 million) was related to severe weather events.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life insurance and participating investment contracts gross claims and surrenders can also be analysed as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deaths</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(731)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(790)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(694)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maturities including surrenders</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6,161)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,915)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,514)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,213)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,194)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,171)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(165)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(164)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(291)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total life insurance gross claims and surrenders</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(8,270)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,063)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,670)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amounts recognised in the balance sheet</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,823</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,531 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit obligations</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(126)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(230)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total amounts recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,301 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The total amounts recognised in the balance sheet relate to:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit pension schemes</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,732</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other post-retirement benefit schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(35)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(103)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total amounts recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,301 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The expense recognised in the income statement for the year ended 31 December comprises: </span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">180</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">206 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest amount</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(95)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(23)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service cost – plan amendments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Plan administration costs incurred during the year</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total defined benefit pension expense</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">123</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">234 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unquoted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unquoted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">617 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">653 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed interest government bonds</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,007</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,007</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,512 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,512 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Index-linked government bonds</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,497</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,497</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,969 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,969 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,978</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,978</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,399 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,399 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,482</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,482</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,880 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,880 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pooled investment vehicles</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,730</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,863</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,593</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,192 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,346 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,538 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Money market instruments, cash, derivatives and other assets and liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,069</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9,617)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(8,548)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">319 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11,995)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11,676)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,288</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,409</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,008 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,526 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,534 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Of the total debt instruments, £20,369 million (2021: £42,568 million) were investment grade (credit ratings equal to or better than ‘BBB’).</span></div>
CY2022	ifrs-full	Disclosure Of Expenses Explanatory DisclosureOfExpensesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 11: OPERATING EXPENSES</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Staff costs:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Salaries</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,511</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,405 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,568 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance-based compensation (see below)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">458</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">335 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Social security costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">341</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">287 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensions and other post-retirement benefit schemes (note 35)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">455</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">566 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Restructuring costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other staff costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">257</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">207 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">131 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,072</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,885 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,835 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premises and equipment costs:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rent and rates</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repairs and maintenance</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">137</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">332</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">261 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">467 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other expenses:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Communications and data processing</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,438</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,181 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,013 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advertising and promotion</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">170</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">161 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">187 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Professional fees</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">265</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">189 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">148</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">211 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Regulatory and legal provisions (note 37)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">255</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,300 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">464 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">683</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">845 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">643 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,959</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,829 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,707 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation of property, plant and equipment</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,471</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,839 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,046 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation of acquired value of in-force non-participating investment contracts (note 24)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation of other intangible assets (note 25)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">903</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">962 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">660 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,396</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,825 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,732 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill impairment (note 23)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total operating expenses</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,759</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,800 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,745 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £197 million (2021: £249 million; 2020: £127 million).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Comprising depreciation in respect of premises £114 million (2021: £123 million; 2020: £127 million), equipment £561 million (2021: £779 million; 2020: £680 million), operating lease assets £570 million (2021: £709 million; 2020: £1,011 million) and right-of-use assets £226 million (2021: £228 million; 2020: £228 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Performance-based compensation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The tables below analyse the Group’s performance-based compensation costs between those relating to the current performance year and those relating to earlier years.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance-based compensation expense comprises:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Awards made in respect of the year ended 31 December</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">349</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">313 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Awards made in respect of earlier years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">109</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">458</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">335 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance-based compensation expense deferred until later years comprises:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Awards made in respect of the year ended 31 December</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">128</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Awards made in respect of earlier years</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">148</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance-based awards expensed in 2022 include cash awards amounting to £144 million (2021: £134 million; 2020: £12 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average headcount</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The average number of persons on a headcount basis employed by the Group during the year was as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,587</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,250</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67,881</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Overseas</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">785</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">826</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">784</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63,372</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65,076</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,665</span></td></tr></table></div>
CY2022	ifrs-full	Disclosure Of Other Operating Expense Explanatory DisclosureOfOtherOperatingExpenseExplanatory	<div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Staff costs:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Salaries</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,511</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,405 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,568 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance-based compensation (see below)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">458</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">335 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Social security costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">341</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">287 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensions and other post-retirement benefit schemes (note 35)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">455</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">566 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Restructuring costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">166 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other staff costs</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">257</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">207 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">131 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,072</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,885 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,835 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premises and equipment costs:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rent and rates</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repairs and maintenance</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">137</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">332</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">261 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">467 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other expenses:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Communications and data processing</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,438</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,181 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,013 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advertising and promotion</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">170</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">161 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">187 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Professional fees</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">265</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">189 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK bank levy</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">148</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">132 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">211 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Regulatory and legal provisions (note 37)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">255</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,300 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">464 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">683</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">845 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">643 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,959</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,829 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,707 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation of property, plant and equipment</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,471</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,839 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,046 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation of acquired value of in-force non-participating investment contracts (note 24)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortisation of other intangible assets (note 25)</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">903</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">962 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">660 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,396</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,825 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,732 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill impairment (note 23)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total operating expenses</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,759</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,800 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,745 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Net of profits on disposal of operating lease assets of £197 million (2021: £249 million; 2020: £127 million).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Comprising depreciation in respect of premises £114 million (2021: £123 million; 2020: £127 million), equipment £561 million (2021: £779 million; 2020: £680 million), operating lease assets £570 million (2021: £709 million; 2020: £1,011 million) and right-of-use assets £226 million (2021: £228 million; 2020: £228 million).</span></div>
CY2022	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	197000000	gbp
CY2021	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	249000000	gbp
CY2020	lyg	Gain Loss On Sale Of Leased Assets Net Operating Leases GainLossOnSaleOfLeasedAssetsNetOperatingLeases	127000000	gbp
CY2022Q4	lyg	Performancebased Cash Awards PerformancebasedCashAwards	144000000	gbp
CY2021Q4	lyg	Performancebased Cash Awards PerformancebasedCashAwards	134000000	gbp
CY2020Q4	lyg	Performancebased Cash Awards PerformancebasedCashAwards	12000000	gbp
CY2022	ifrs-full	Disclosure Of Information About Employees Explanatory DisclosureOfInformationAboutEmployeesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The average number of persons on a headcount basis employed by the Group during the year was as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62,587</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,250</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67,881</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Overseas</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">785</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">826</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">784</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63,372</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65,076</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68,665</span></td></tr></table></div>
CY2022	ifrs-full	Average Number Of Employees AverageNumberOfEmployees	63372
CY2021	ifrs-full	Average Number Of Employees AverageNumberOfEmployees	65076
CY2020	ifrs-full	Average Number Of Employees AverageNumberOfEmployees	68665
CY2022	ifrs-full	Disclosure Of Auditors Remuneration Explanatory DisclosureOfAuditorsRemunerationExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 12: AUDITORS’ REMUNERATION</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fees payable to the Company’s auditors</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">by the Group are as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fees payable for the:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– audit of the Company’s current year annual report</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.8 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.7 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– audits of the Company’s subsidiaries</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22.4 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– total audit fees in respect of the statutory audit of Group entities</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25.5 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24.1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– services normally provided in connection with statutory and regulatory filings or engagements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total audit fees</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30.3 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27.8 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other audit-related fees</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">All other fees</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.9 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total non-audit services</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.7 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.4 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total fees payable to the Company’s auditors by the Group</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32.0 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29.2 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Deloitte LLP became the Group’s statutory auditor in 2021. PricewaterhouseCoopers LLP was the statutory auditor during 2020.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 As defined by the Financial Reporting Council (FRC).</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 As defined by the Securities and Exchange Commission (SEC).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 As defined by the SEC. Total non-audit services as defined by the FRC include all fees other than audit fees in respect of the statutory audit of Group entities. These fees totalled £12.8 million in 2022 (2021: £6.5 million; 2020: £5.1 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following types of services are included in the categories listed above:</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Audit fees:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> This category includes fees in respect of the audit of the Group’s annual financial statements (including work related to the adoption of new accounting standards) and other services in connection with regulatory filings. Other services supplied pursuant to legislation relate primarily to costs incurred in connection with client asset assurance and with the Sarbanes-Oxley Act requirements associated with the audit of the Group’s financial statements filed on its Form 20-F.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other audit-related fees:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> This category includes fees in respect of services for assurance and related services that are reasonably related to the performance of the audit or review of the financial statements, for example acting as reporting accountants in respect of debt prospectuses required by the Listing Rules.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">All other fees:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> This category includes other assurance services not related to the performance of the audit or review of the financial statements, for example, the review of controls operated by the Group on behalf of a third party. The auditors are not engaged to provide tax services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">It is the Group’s policy to use the auditors only on assignments in cases where their knowledge of the Group means that it is neither efficient nor cost effective to employ another firm of accountants.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has procedures that are designed to ensure auditor independence, including prohibiting certain non-audit services. All audit and non-audit assignments must be pre-approved by the Audit Committee on an individual engagement basis; for certain types of non-audit engagements where the fee is ‘de minimis’ the Audit Committee has pre-approved all assignments subject to confirmation by management. On a quarterly basis, the Audit Committee receives and reviews a report detailing all pre-approved services and amounts paid to the auditors for such pre-approved services.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During the year, the auditors</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">also earned fees payable by entities outside the consolidated Lloyds Banking Group in respect of the following:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Audits of Group pension schemes</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.4 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Audits of the unconsolidated Open-Ended Investment Companies managed by the Group</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reviews of the financial position of corporate and other borrowers</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.3 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.4 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Deloitte LLP became the Group’s statutory auditor in 2021. PricewaterhouseCoopers LLP was the statutory auditor during 2020.</span></div>
CY2022	ifrs-full	Auditors Remuneration For Other Services AuditorsRemunerationForOtherServices	6500000	gbp
CY2021	ifrs-full	Auditors Remuneration For Other Services AuditorsRemunerationForOtherServices	1700000	gbp
CY2020	ifrs-full	Auditors Remuneration For Other Services AuditorsRemunerationForOtherServices	1400000	gbp
CY2022	ifrs-full	Auditors Remuneration AuditorsRemuneration	44200000	gbp
CY2021	ifrs-full	Auditors Remuneration AuditorsRemuneration	32000000.0	gbp
CY2020	ifrs-full	Auditors Remuneration AuditorsRemuneration	29200000	gbp
CY2022	ifrs-full	Disclosure Of Impairment Loss And Reversal Of Impairment Loss Explanatory DisclosureOfImpairmentLossAndReversalOfImpairmentLossExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 13: IMPAIRMENT</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Year ended 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impact of transfers between stages</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(24)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">581</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">357</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">914</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other changes in credit quality</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(278)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">90</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">663</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">78</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">553</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions and repayments</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">132</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">113</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(69)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(58)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">118</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Methodology and model changes</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(47)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(63)</span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(144)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">214</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">547</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">608</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total impairment (credit) charge</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(168)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">795</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">904</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,522</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(217)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">694</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">883</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,351</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(198)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">696</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">883</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,372</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment charge on drawn balances</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(198)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">696</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">905</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,394</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">99</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">122</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total impairment (credit) charge</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(168)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">795</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">904</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,522</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impact of transfers between stages</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(481)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">339 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(67)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other changes in credit quality</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(331)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(320)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">252 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(48)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(447)</span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions and repayments</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(246)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(389)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(96)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(87)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(818)</span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Methodology and model changes</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(63)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(42)</span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(638)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(690)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">152 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,311)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total impairment (credit) charge</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(563)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,171)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">491 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,378)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:14pt"><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(454)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,025)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">498 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,116)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(459)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,025)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">498 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,121)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment (credit) charge on drawn balances</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(459)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,025)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">500 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,119)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(102)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(146)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(257)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total impairment (credit) charge</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(563)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,171)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">491 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(135)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,378)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Year ended 31 December 2020</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impact of transfers between stages</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(169)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">940 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">698 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,469 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other changes in credit quality</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">946 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,192 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">167 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,327 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions and repayments</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">177 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(48)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(30)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">197 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Methodology and model changes</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(44)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">170 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">152 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">369 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,180 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,686 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total impairment charge</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">831 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,309 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,878 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,155 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">697 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,151 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,865 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,850 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">703 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,151 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,865 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,856 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment charge on drawn balances</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">703 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,151 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,870 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,861 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loan commitments and financial guarantees</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">158 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">289 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total impairment charge</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">831 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,309 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,878 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,155 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The impairment charge contained no release (2021: release of £77 million; 2020: charge of £41 million) in respect of residual value impairment and voluntary terminations within the Group’s UK motor finance business.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s impairment charge comprises the following items:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Impact of transfers between stages</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The net impact on the impairment charge of transfers between stages.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other changes in credit quality</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in loss allowance as a result of movements in risk parameters that reflect changes in customer quality, but which have not resulted in a transfer to a different stage. This also contains the impact on the impairment charge as a result of write-offs and recoveries, where the related loss allowances are reassessed to reflect ultimate realisable or recoverable value.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Additions and repayments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected loss allowances are recognised on origination of new loans or further drawdowns of existing facilities. Repayments relate to the reduction of loss allowances resulting from the repayments of outstanding balances that have been provided against.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Methodology and model changes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase or decrease in impairment charge as a result of adjustments to the models used for expected credit loss calculations; as changes to either the model inputs or the underlying assumptions, as well as the impact of changing the models used.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in the Group’s impairment allowances are shown in note 18.</span></div>
CY2022	lyg	Impact Of Transfers Between Stages ImpactOfTransfersBetweenStages	914000000	gbp
CY2022	lyg	Other Changes In Credit Quality OtherChangesInCreditQuality	553000000	gbp
CY2022	lyg	Additions Repayments Loans And Advances To Customers And Reverse Repurchase Agreements AdditionsRepaymentsLoansAndAdvancesToCustomersAndReverseRepurchaseAgreements	-118000000	gbp
CY2022	lyg	Impairment Of Loans And Receivables Estimated Increase Decrease Due To Change In Factor ImpairmentOfLoansAndReceivablesEstimatedIncreaseDecreaseDueToChangeInFactor	-63000000	gbp
CY2022	lyg	Other Items Impacting Impairment OtherItemsImpactingImpairment	0	gbp
CY2022	lyg	Other Asset Impairment Charges OtherAssetImpairmentCharges	608000000	gbp
CY2022	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	1522000000	gbp
CY2022	lyg	Impairment Charge On Other Assets ImpairmentChargeOnOtherAssets	22000000	gbp
CY2022Q4	lyg	Impairment Charge On Drawn Balances ImpairmentChargeOnDrawnBalances	1394000000	gbp
CY2022	lyg	Loan Commitments And Financial Guarantees LoanCommitmentsAndFinancialGuarantees	122000000	gbp
CY2022	ifrs-full	Impairment Loss Recognised In Other Comprehensive Income ImpairmentLossRecognisedInOtherComprehensiveIncome	6000000	gbp
CY2022	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	1522000000	gbp
CY2021	lyg	Impact Of Transfers Between Stages ImpactOfTransfersBetweenStages	-67000000	gbp
CY2021	lyg	Other Changes In Credit Quality OtherChangesInCreditQuality	-447000000	gbp
CY2021	lyg	Additions Repayments Loans And Advances To Customers And Reverse Repurchase Agreements AdditionsRepaymentsLoansAndAdvancesToCustomersAndReverseRepurchaseAgreements	818000000	gbp
CY2021	lyg	Impairment Of Loans And Receivables Estimated Increase Decrease Due To Change In Factor ImpairmentOfLoansAndReceivablesEstimatedIncreaseDecreaseDueToChangeInFactor	-42000000	gbp
CY2021	lyg	Other Items Impacting Impairment OtherItemsImpactingImpairment	-4000000	gbp
CY2021	lyg	Other Asset Impairment Charges OtherAssetImpairmentCharges	-1311000000	gbp
CY2021	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	-1378000000	gbp
CY2021	lyg	Impairment Charge On Other Assets ImpairmentChargeOnOtherAssets	2000000	gbp
CY2021Q4	lyg	Impairment Charge On Drawn Balances ImpairmentChargeOnDrawnBalances	-1119000000	gbp
CY2021	lyg	Loan Commitments And Financial Guarantees LoanCommitmentsAndFinancialGuarantees	-257000000	gbp
CY2021	ifrs-full	Reversal Of Impairment Loss Recognised In Other Comprehensive Income ReversalOfImpairmentLossRecognisedInOtherComprehensiveIncome	2000000	gbp
CY2021	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	-1378000000	gbp
CY2020	lyg	Impact Of Transfers Between Stages ImpactOfTransfersBetweenStages	1469000000	gbp
CY2020	lyg	Other Changes In Credit Quality OtherChangesInCreditQuality	2327000000	gbp
CY2020	lyg	Additions Repayments Loans And Advances To Customers And Reverse Repurchase Agreements AdditionsRepaymentsLoansAndAdvancesToCustomersAndReverseRepurchaseAgreements	-197000000	gbp
CY2020	lyg	Impairment Of Loans And Receivables Estimated Increase Decrease Due To Change In Factor ImpairmentOfLoansAndReceivablesEstimatedIncreaseDecreaseDueToChangeInFactor	152000000	gbp
CY2020	lyg	Other Items Impacting Impairment OtherItemsImpactingImpairment	10000000	gbp
CY2020	lyg	Other Asset Impairment Charges OtherAssetImpairmentCharges	2686000000	gbp
CY2020	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	4155000000	gbp
CY2020	lyg	Impairment Charge On Other Assets ImpairmentChargeOnOtherAssets	5000000	gbp
CY2020Q4	lyg	Impairment Charge On Drawn Balances ImpairmentChargeOnDrawnBalances	3861000000	gbp
CY2020	lyg	Loan Commitments And Financial Guarantees LoanCommitmentsAndFinancialGuarantees	289000000	gbp
CY2020	ifrs-full	Impairment Loss Recognised In Other Comprehensive Income ImpairmentLossRecognisedInOtherComprehensiveIncome	5000000	gbp
CY2020	ifrs-full	Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss	4155000000	gbp
CY2022	lyg	Residual Value And Voluntary Impairment Charges ResidualValueAndVoluntaryImpairmentCharges	0	gbp
CY2021	lyg	Residual Value And Voluntary Impairment Charges ResidualValueAndVoluntaryImpairmentCharges	-77000000	gbp
CY2020	lyg	Residual Value And Voluntary Impairment Charges ResidualValueAndVoluntaryImpairmentCharges	41000000	gbp
CY2022	ifrs-full	Disclosure Of Income Tax Explanatory DisclosureOfIncomeTaxExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 14: TAX EXPENSE</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Analysis of tax (expense) credit for the year</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK corporation tax:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax on profit for the year</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,152)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,472)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(480)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,121)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,378)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign tax:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax on profit for the year</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(74)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(83)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(30)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax expense</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,204)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,408)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(127)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current year</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(390)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">546 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">611 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">221</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(155)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(323)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax (expense) credit</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(169)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">391 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax (expense) credit</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,373)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,017)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">161 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The tax (expense) credit is made up as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax (expense) credit attributable to policyholders</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(40)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(163)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Shareholder tax (expense) credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,333)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(854)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">157 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax (expense) credit</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,373)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,017)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">161 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(B) Factors affecting the tax (expense) credit for the year</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The UK corporation tax rate for the year was 19.0 per cent (2021: 19.0 per cent; 2020: 19.0 per cent). An explanation of the relationship between tax (expense) credit and accounting profit is set out below.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit before tax</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,928</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,902 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,226 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK corporation tax thereon</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,316)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,311)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(233)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impact of surcharge on banking profits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(339)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(439)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(107)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-deductible costs: conduct charges</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(185)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(24)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-deductible costs: bank levy</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-deductible costs</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(72)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(83)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(74)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-taxable income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax relief on coupons on other equity instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax-exempt gains on disposals</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax losses where no deferred tax recognised</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(58)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurement of deferred tax due to rate changes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(53)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">954 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">350 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Differences in overseas tax rates</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(63)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(19)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Policyholder tax</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(65)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(63)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(46)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Policyholder deferred tax asset in respect of life assurance expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(69)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">243</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(40)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax effect of share of results of joint ventures</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax (expense) credit</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,373)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,017)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">161 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On 17 November 2022 the UK Government confirmed its intention to implement the G20-OECD Inclusive Framework Pillar 2 rules in the UK, including a Qualified Domestic Minimum Top-Up Tax rule. This legislation, which is expected to be enacted in 2023, will seek to ensure that UK-headquartered multinational enterprises pay a minimum tax rate of 15 per cent on UK and overseas profits arising after 31 December 2023. As the UK rate of corporation tax in 2024 will be 25 per cent, and the Group’s business is primarily in the UK, the impact of these rules on the Group is not expected to be material.</span></div>
CY2022	ifrs-full	Disclosure Of Tax Receivables And Payables Explanatory DisclosureOfTaxReceivablesAndPayablesExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK corporation tax:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax on profit for the year</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,152)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,472)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(480)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,121)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,378)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(125)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign tax:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax on profit for the year</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(74)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(83)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(30)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax expense</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,204)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,408)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(127)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current year</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(390)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">546 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">611 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments in respect of prior years</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">221</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(155)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(323)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax (expense) credit</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(169)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">391 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax (expense) credit</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,373)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,017)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">161 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022	ifrs-full	Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods	1204000000	gbp
CY2021	ifrs-full	Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods	1408000000	gbp
CY2020	ifrs-full	Current Tax Expense Income And Adjustments For Current Tax Of Prior Periods CurrentTaxExpenseIncomeAndAdjustmentsForCurrentTaxOfPriorPeriods	127000000	gbp
CY2022	ifrs-full	Deferred Tax Expense Income DeferredTaxExpenseIncome	169000000	gbp
CY2021	ifrs-full	Deferred Tax Expense Income DeferredTaxExpenseIncome	-391000000	gbp
CY2020	ifrs-full	Deferred Tax Expense Income DeferredTaxExpenseIncome	-288000000	gbp
CY2022	ifrs-full	Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity CurrentAndDeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity	1373000000	gbp
CY2021	ifrs-full	Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity CurrentAndDeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity	1017000000	gbp
CY2020	ifrs-full	Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity CurrentAndDeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity	-161000000	gbp
CY2022	lyg	Income Tax Expense Credit Attributable To Policyholders IncomeTaxExpenseCreditAttributableToPolicyholders	40000000	gbp
CY2021	lyg	Income Tax Expense Credit Attributable To Policyholders IncomeTaxExpenseCreditAttributableToPolicyholders	163000000	gbp
CY2020	lyg	Income Tax Expense Credit Attributable To Policyholders IncomeTaxExpenseCreditAttributableToPolicyholders	-4000000	gbp
CY2022	lyg	Income Tax Expense Attributable To Shareholders IncomeTaxExpenseAttributableToShareholders	1333000000	gbp
CY2021	lyg	Income Tax Expense Attributable To Shareholders IncomeTaxExpenseAttributableToShareholders	854000000	gbp
CY2020	lyg	Income Tax Expense Attributable To Shareholders IncomeTaxExpenseAttributableToShareholders	-157000000	gbp
CY2022	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1373000000	gbp
CY2021	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1017000000	gbp
CY2020	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	-161000000	gbp
CY2022	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6928000000	gbp
CY2021	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	6902000000	gbp
CY2020	ifrs-full	Profit Loss Before Tax ProfitLossBeforeTax	1226000000	gbp
CY2022	ifrs-full	Tax Expense Income At Applicable Tax Rate TaxExpenseIncomeAtApplicableTaxRate	1316000000	gbp
CY2021	ifrs-full	Tax Expense Income At Applicable Tax Rate TaxExpenseIncomeAtApplicableTaxRate	1311000000	gbp
CY2020	ifrs-full	Tax Expense Income At Applicable Tax Rate TaxExpenseIncomeAtApplicableTaxRate	233000000	gbp
CY2022	lyg	Impact Of Bank Surcharge ImpactOfBankSurcharge	339000000	gbp
CY2021	lyg	Impact Of Bank Surcharge ImpactOfBankSurcharge	439000000	gbp
CY2020	lyg	Impact Of Bank Surcharge ImpactOfBankSurcharge	107000000	gbp
CY2022	lyg	Nondeductible Costs Conduct Charges NondeductibleCostsConductCharges	5000000	gbp
CY2021	lyg	Nondeductible Costs Conduct Charges NondeductibleCostsConductCharges	185000000	gbp
CY2020	lyg	Nondeductible Costs Conduct Charges NondeductibleCostsConductCharges	24000000	gbp
CY2022	ifrs-full	Bank And Similar Charges BankAndSimilarCharges	28000000	gbp
CY2021	ifrs-full	Bank And Similar Charges BankAndSimilarCharges	22000000	gbp
CY2020	ifrs-full	Bank And Similar Charges BankAndSimilarCharges	38000000	gbp
CY2022	ifrs-full	Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss	72000000	gbp
CY2021	ifrs-full	Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss	83000000	gbp
CY2020	ifrs-full	Tax Effect Of Expense Not Deductible In Determining Taxable Profit Tax Loss TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss	74000000	gbp
CY2022	ifrs-full	Tax Effect Of Revenues Exempt From Taxation2011 TaxEffectOfRevenuesExemptFromTaxation2011	134000000	gbp
CY2021	ifrs-full	Tax Effect Of Revenues Exempt From Taxation2011 TaxEffectOfRevenuesExemptFromTaxation2011	40000000	gbp
CY2020	ifrs-full	Tax Effect Of Revenues Exempt From Taxation2011 TaxEffectOfRevenuesExemptFromTaxation2011	59000000	gbp
CY2022	lyg	Tax Relief On Coupons On Other Equity Instruments TaxReliefOnCouponsOnOtherEquityInstruments	-83000000	gbp
CY2021	lyg	Tax Relief On Coupons On Other Equity Instruments TaxReliefOnCouponsOnOtherEquityInstruments	-81000000	gbp
CY2020	lyg	Tax Relief On Coupons On Other Equity Instruments TaxReliefOnCouponsOnOtherEquityInstruments	-86000000	gbp
CY2022	lyg	Tax Effect Of Gains Exempted From Taxation TaxEffectOfGainsExemptedFromTaxation	-67000000	gbp
CY2021	lyg	Tax Effect Of Gains Exempted From Taxation TaxEffectOfGainsExemptedFromTaxation	-140000000	gbp
CY2020	lyg	Tax Effect Of Gains Exempted From Taxation TaxEffectOfGainsExemptedFromTaxation	-81000000	gbp
CY2022	ifrs-full	Tax Effect Of Tax Losses TaxEffectOfTaxLosses	-11000000	gbp
CY2021	ifrs-full	Tax Effect Of Tax Losses TaxEffectOfTaxLosses	1000000	gbp
CY2020	ifrs-full	Tax Effect Of Tax Losses TaxEffectOfTaxLosses	58000000	gbp
CY2022	ifrs-full	Increase Decrease In Accumulated Deferred Tax Recognised In Other Comprehensive Income Due To Change In Tax Rate IncreaseDecreaseInAccumulatedDeferredTaxRecognisedInOtherComprehensiveIncomeDueToChangeInTaxRate	53000000	gbp
CY2021	ifrs-full	Increase Decrease In Accumulated Deferred Tax Recognised In Other Comprehensive Income Due To Change In Tax Rate IncreaseDecreaseInAccumulatedDeferredTaxRecognisedInOtherComprehensiveIncomeDueToChangeInTaxRate	-954000000	gbp
CY2020	ifrs-full	Increase Decrease In Accumulated Deferred Tax Recognised In Other Comprehensive Income Due To Change In Tax Rate IncreaseDecreaseInAccumulatedDeferredTaxRecognisedInOtherComprehensiveIncomeDueToChangeInTaxRate	-350000000	gbp
CY2022	ifrs-full	Tax Effect Of Foreign Tax Rates TaxEffectOfForeignTaxRates	63000000	gbp
CY2021	ifrs-full	Tax Effect Of Foreign Tax Rates TaxEffectOfForeignTaxRates	19000000	gbp
CY2020	ifrs-full	Tax Effect Of Foreign Tax Rates TaxEffectOfForeignTaxRates	-15000000	gbp
CY2022	lyg	Policyholder Tax PolicyholderTax	65000000	gbp
CY2021	lyg	Policyholder Tax PolicyholderTax	63000000	gbp
CY2020	lyg	Policyholder Tax PolicyholderTax	46000000	gbp
CY2022	lyg	Policyholder Deferred Tax Asset In Respect Of Life Assurance Expenses PolicyholderDeferredTaxAssetInRespectOfLifeAssuranceExpenses	33000000	gbp
CY2021	lyg	Policyholder Deferred Tax Asset In Respect Of Life Assurance Expenses PolicyholderDeferredTaxAssetInRespectOfLifeAssuranceExpenses	-69000000	gbp
CY2020	lyg	Policyholder Deferred Tax Asset In Respect Of Life Assurance Expenses PolicyholderDeferredTaxAssetInRespectOfLifeAssuranceExpenses	49000000	gbp
CY2022	ifrs-full	Adjustments For Current Tax Of Prior Period AdjustmentsForCurrentTaxOfPriorPeriod	-243000000	gbp
CY2021	ifrs-full	Adjustments For Current Tax Of Prior Period AdjustmentsForCurrentTaxOfPriorPeriod	40000000	gbp
CY2020	ifrs-full	Adjustments For Current Tax Of Prior Period AdjustmentsForCurrentTaxOfPriorPeriod	-104000000	gbp
CY2022	lyg	Tax Effect Of Results Of Joint Ventures And Associates TaxEffectOfResultsOfJointVenturesAndAssociates	3000000	gbp
CY2021	lyg	Tax Effect Of Results Of Joint Ventures And Associates TaxEffectOfResultsOfJointVenturesAndAssociates	0	gbp
CY2020	lyg	Tax Effect Of Results Of Joint Ventures And Associates TaxEffectOfResultsOfJointVenturesAndAssociates	3000000	gbp
CY2022	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1373000000	gbp
CY2021	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	1017000000	gbp
CY2020	ifrs-full	Income Tax Expense Continuing Operations IncomeTaxExpenseContinuingOperations	-161000000	gbp
CY2022	ifrs-full	Disclosure Of Earnings Per Share Explanatory DisclosureOfEarningsPerShareExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 15: EARNINGS PER SHARE</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit attributable to ordinary shareholders – basic and diluted</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,021</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,355 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">865 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted-average number of ordinary shares in issue – basic</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68,847</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,937 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,606 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment for share options and awards</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">835</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">848 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">650 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted-average number of ordinary shares in issue – diluted</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">69,682</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,785 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,256 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic earnings per share</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.3p</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.5p</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2p</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Diluted earnings per share</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2p</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.5p</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2p</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Basic earnings per share are calculated by dividing the net profit attributable to equity shareholders by the weighted-average number of ordinary shares in issue during the year, which has been calculated after deducting 198 million (2021: 19 million; 2020: 28 million) ordinary shares representing the Group’s holdings of own shares in respect of employee share schemes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the calculation of diluted earnings per share the weighted-average number of ordinary shares in issue is adjusted to assume conversion of all dilutive potential ordinary shares that arise in respect of share options and awards granted to employees. The number of shares that could have been acquired at the annual average price of the Company’s shares based on the monetary value of the subscription rights attached to outstanding share options and awards is determined. This is deducted from the number of shares issuable under such options and awards to leave a residual bonus amount of shares which are added to the weighted-average number of ordinary shares in issue, but no adjustment is made to the profit attributable to equity shareholders.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There were 63 million anti-dilutive share options and awards excluded from the calculation of diluted earnings per share (2021: 143 million; 2020: 647 million).</span></div>
CY2022	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	5021000000	gbp
CY2021	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	5355000000	gbp
CY2020	ifrs-full	Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity	865000000	gbp
CY2022	ifrs-full	Weighted Average Shares WeightedAverageShares	68847000000	shares
CY2021	ifrs-full	Weighted Average Shares WeightedAverageShares	70937000000	shares
CY2020	ifrs-full	Weighted Average Shares WeightedAverageShares	70606000000	shares
CY2022	ifrs-full	Dilutive Effect Of Share Options On Number Of Ordinary Shares DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares	835000000	shares
CY2021	ifrs-full	Dilutive Effect Of Share Options On Number Of Ordinary Shares DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares	848000000	shares
CY2020	ifrs-full	Dilutive Effect Of Share Options On Number Of Ordinary Shares DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares	650000000	shares
CY2022	ifrs-full	Adjusted Weighted Average Shares AdjustedWeightedAverageShares	69682000000	shares
CY2021	ifrs-full	Adjusted Weighted Average Shares AdjustedWeightedAverageShares	71785000000	shares
CY2020	ifrs-full	Adjusted Weighted Average Shares AdjustedWeightedAverageShares	71256000000	shares
CY2022	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.073
CY2021	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.075
CY2020	ifrs-full	Basic Earnings Loss Per Share BasicEarningsLossPerShare	0.012
CY2022	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.072
CY2021	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.075
CY2020	ifrs-full	Diluted Earnings Loss Per Share DilutedEarningsLossPerShare	0.012
CY2022Q4	ifrs-full	Shares Reserved For Issue Under Options And Contracts For Sale Of Shares SharesReservedForIssueUnderOptionsAndContractsForSaleOfShares	198000000	shares
CY2021Q4	ifrs-full	Shares Reserved For Issue Under Options And Contracts For Sale Of Shares SharesReservedForIssueUnderOptionsAndContractsForSaleOfShares	19000000	shares
CY2020Q4	ifrs-full	Shares Reserved For Issue Under Options And Contracts For Sale Of Shares SharesReservedForIssueUnderOptionsAndContractsForSaleOfShares	28000000	shares
CY2022Q4	lyg	Antidilutive Securities Excluded From Computation Of Earnings Per Share Number Of Shares AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareNumberOfShares	63000000	shares
CY2021Q4	lyg	Antidilutive Securities Excluded From Computation Of Earnings Per Share Number Of Shares AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareNumberOfShares	143000000	shares
CY2020Q4	lyg	Antidilutive Securities Excluded From Computation Of Earnings Per Share Number Of Shares AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareNumberOfShares	647000000	shares
CY2022Q4	lyg	Assets And Liabilities Held In Unconsolidated Collective Investment Vehicles AssetsAndLiabilitiesHeldInUnconsolidatedCollectiveInvestmentVehicles	68913000000	gbp
CY2021Q4	lyg	Assets And Liabilities Held In Unconsolidated Collective Investment Vehicles AssetsAndLiabilitiesHeldInUnconsolidatedCollectiveInvestmentVehicles	74916000000	gbp
CY2022	ifrs-full	Disclosure Of Derivative Financial Instruments Explanatory DisclosureOfDerivativeFinancialInstrumentsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 17: DERIVATIVE FINANCIAL INSTRUMENTS</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair values and notional amounts of derivative instruments are set out in the following table:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair value<br/>liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fair value<br/>liabilities<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Trading and other</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange rate contracts:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Spot, forwards and futures</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75,619</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,135</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,266</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60,638 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">611 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">663 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">373,735</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,181</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,480</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">319,882 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,451 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,171 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Options purchased</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,820</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">417</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,045 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">371 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Options written</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,049</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">470</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,660 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">428 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">464,223</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,733</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,216</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">391,225 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,433 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,262 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate contracts:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,108,594</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,073</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,308</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,582,028 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,775 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,814 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Forward rate agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75,499</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,437 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Options purchased</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,875</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">864</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,145 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,907 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Options written</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,245</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">986</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,483 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,590 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Futures</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,335</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214,983 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,257,548</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,966</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,332</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,841,076 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,702 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,418 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit derivatives</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,689</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">118</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,740 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">175 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity and other contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,490</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">845</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">849</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,539 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">735 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">878 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total derivative assets/liabilities – trading and other</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,744,950</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,515</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,251,580 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,965 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,733 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Hedging</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as fair value hedges:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate and other swaps</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">152,662</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">503</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172,695 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">152,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">503</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172,729 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">53 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivatives designated as cash flow hedges:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">249,703</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,093 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange rate forward rate agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,542</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,895 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">251,245</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110,988 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total derivative assets/liabilities – hedging</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">403,942</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">283,717 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">327 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total recognised derivative assets/liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,148,892</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,042</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,535,297 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,051 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,060 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The notional amount of the contract does not represent the Group’s exposure to credit risk, which is limited to the current cost of replacing contracts with a positive value to the Group should the counterparty default. To reduce credit risk the Group uses a variety of credit enhancement techniques such as netting and collateralisation, where security is provided against the exposure; a large proportion of the Group’s derivatives are held through exchanges such as London Clearing House and are collateralised through those exchanges. Further details are provided in note 52 Credit risk.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group holds derivatives as part of the following strategies:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Customer driven, where derivatives are held as part of the provision of risk management products to Group customers</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">To manage and hedge the Group’s interest rate and foreign exchange risk arising from normal banking business. The hedge accounting strategy adopted by the Group is to utilise a combination of fair value and cash flow hedge approaches as described in note 52</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Derivatives held in policyholder funds as permitted by the investment strategies of those funds</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The principal derivatives used by the Group are as follows:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Interest rate related contracts include interest rate swaps, forward rate agreements and options. An interest rate swap is an agreement between two parties to exchange fixed and floating interest payments, based upon interest rates defined in the contract, without the exchange of the underlying principal amounts. Forward rate agreements are contracts for the payment of the difference between a specified rate of interest and a reference rate, applied to a notional principal amount at a specific date in the future. An interest rate option gives the buyer, on payment of a premium, the right, but not the obligation, to fix the rate of interest on a future loan or deposit, for a specified period and commencing on a specified future date</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Exchange rate related contracts include forward foreign exchange contracts, currency swaps and options. A forward foreign exchange contract is an agreement to buy or sell a specified amount of foreign currency on a specified future date at an agreed rate. Currency swaps generally involve the exchange of interest payment obligations denominated in different currencies; the exchange of principal can be notional or actual. A currency option gives the buyer, on payment of a premium, the right, but not the obligation, to sell specified amounts of currency at agreed rates of exchange on or before a specified future date</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Credit derivatives, principally credit default swaps, are used by the Group as part of its trading activity and to manage its own exposure to credit risk. A credit default swap is a swap in which one counterparty receives a premium at pre-set intervals in consideration for guaranteeing to make a specific payment should a negative credit event take place</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Equity derivatives are also used by the Group as part of its equity-based retail product activity to eliminate the Group’s exposure to fluctuations in various international stock exchange indices. Index-linked equity options are purchased which give the Group the right, but not the obligation, to buy or sell a specified amount of equities, or basket of equities, in the form of published indices on or before a specified future date</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Details of the Group’s hedging instruments are set out below:</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.646%"><tr><td style="width:1.0%"/><td style="width:39.281%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.325%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.719%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="33" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maturity</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1 month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3 months<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–12 months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–5 years<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cross currency swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.28%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,904</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,765</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,488</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64,307</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,198</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">152,662</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.51%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.17%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.72%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.92%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.94%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">509</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,004</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,542</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.04</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average USD/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,741</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,472</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,175</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">161,391</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50,924</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">249,703</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.01%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.18%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.36%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.40%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.60%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.646%"><tr><td style="width:1.0%"/><td style="width:39.281%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.325%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.719%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="33" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Maturity</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Up to 1 month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1–3 months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3–12 months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1–5 years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cross currency swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.28%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.38 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,396 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,784 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,568 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">121,878 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,069 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172,695 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.84%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.31%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.95%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.68%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.94%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">200 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">828 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,895 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average USD/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.35 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.27 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">625 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,428 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,896 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,093 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.23%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.55%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.81%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.65%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The carrying amounts of the Group’s hedging instruments are as follows:</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:56.733%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.640%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying amount of the hedging instrument</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Changes in fair<br/>value used for<br/>calculating<br/>hedge<br/>ineffectiveness<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">152,662</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">503</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,286</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,542</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">198</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">249,703</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6,990)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:56.733%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.640%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Carrying amount of the hedging instrument</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Contract/<br/>notional<br/>amount<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Changes in fair<br/>value used for<br/>calculating<br/>hedge<br/>ineffectiveness<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172,695 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">946 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swaps</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,895 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swaps</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,093 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,642)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">All amounts are held within derivative financial instruments.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s hedged items are as follows:</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.646%"><tr><td style="width:1.0%"/><td style="width:22.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.681%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.681%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.647%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.681%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.745%"/><td style="width:0.1%"/></tr><tr style="height:29pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying amount of<br/>the hedged item</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Accumulated amount of<br/>fair value adjustment on<br/>the hedged item</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Change in fair<br/>value of hedged<br/>item for<br/>ineffectiveness<br/>assessment<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedging reserve</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Continuing<br/>hedges<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Discontinued<br/>hedges<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate mortgages</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,282</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,602)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,198)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate issuance</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,190</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,392</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,223</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate bonds</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,259</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,549)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,350)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign currency issuance</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(198)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">90</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer loans</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,636</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,587)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(868)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central bank balances</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,703</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,130)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(965)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,295)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(76)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.646%"><tr><td style="width:1.0%"/><td style="width:22.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.681%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.681%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.647%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.738%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.681%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.745%"/><td style="width:0.1%"/></tr><tr style="height:29pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Carrying amount of<br/>the hedged item</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Accumulated amount of<br/>fair value adjustment on<br/>the hedged item</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in fair<br/>value of hedged<br/>item for<br/>ineffectiveness<br/>assessment<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Continuing<br/>hedges<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Discontinued<br/>hedges<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate mortgages</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88,791 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(872)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,080)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate issuance</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,648 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,967 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,071 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate bonds</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,019 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">342 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(758)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign currency issuance</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer loans</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,873 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(742)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">378 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central bank balances</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">767 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(212)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(78)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="background-color:#e6e7e8;border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(110)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(109)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Included within loans and advances to customers.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Included within debt securities in issue.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Included within financial assets at fair value through other comprehensive income.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Included within customer deposits.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 Included within cash and balances at central banks.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The accumulated amount of fair value hedge adjustments remaining in the balance sheet for hedged items that have ceased to be adjusted for hedging gains and losses is a liability of £1,988 million relating to fixed rate issuances of £760 million and mortgages of £1,228 million (2021: liability of £1,071 million relating to fixed rate issuances of £793 million and mortgages of £278 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains and losses arising from hedge accounting are summarised as follows:</span></div><div style="margin-bottom:10pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.793%"><tr><td style="width:1.0%"/><td style="width:32.770%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.630%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.536%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.630%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.630%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.541%"/><td style="width:0.1%"/></tr><tr style="height:20pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gain (loss)<br/>recognised<br/>in other<br/>comprehensive<br/>income<br/>£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Hedge</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">ineffectiveness</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">recognised in</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">the income</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">statement</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amounts reclassified from reserves<br/>to income statement as:</span></td></tr><tr style="height:53pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #a8a9ad;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Hedged<br/>cash flows<br/>will no<br/>longer<br/>occur<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Hedged<br/>item<br/>affected<br/>income<br/>statement<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Income<br/>statement<br/>line item<br/>that includes<br/>reclassified<br/>amount</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate mortgages</span></td><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate issuance</span></td><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(49)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate bonds</span></td><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign currency issuance</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">198</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest expense</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest expense</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer loans</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6,145)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(30)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest income</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central bank balances</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,831)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest income</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,785</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest expense</span></td></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.793%"><tr><td style="width:1.0%"/><td style="width:32.770%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.630%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.536%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.630%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.630%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.679%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.541%"/><td style="width:0.1%"/></tr><tr style="height:20pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gain (loss)<br/>recognised<br/>in other<br/>comprehensive<br/>income<br/>£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedge</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">ineffectiveness</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">recognised in</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">the income</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">statement</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amounts reclassified from reserves<br/>to income statement as:</span></td></tr><tr style="height:53pt"><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedged<br/>cash flows<br/>will no<br/>longer<br/>occur<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Hedged<br/>item<br/>affected<br/>income<br/>statement<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Income<br/>statement<br/>line item<br/>that includes<br/>reclassified<br/>amount</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate mortgages</span></td><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">207 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate issuance</span></td><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(23)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed rate bonds</span></td><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign currency issuance</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer loans</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,830)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(43)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(456)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Central bank balances</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(515)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(180)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Hedge ineffectiveness is included in the income statement within net trading income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In 2021 there was a loss of £3 million (2022: £nil) reclassified from the cash flow hedging reserve for which hedge accounting had previously been used but for which the hedged future cash flows are no longer expected to occur.</span></div>
CY2022Q4	ifrs-full	Notional Amount NotionalAmount	7148892000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2021Q4	ifrs-full	Notional Amount NotionalAmount	4535297000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22051000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	18060000000	gbp
CY2022	ifrs-full	Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Explanatory DisclosureOfInformationAboutTermsAndConditionsOfHedgingInstrumentsAndHowTheyAffectFutureCashFlowsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Details of the Group’s hedging instruments are set out below:</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.646%"><tr><td style="width:1.0%"/><td style="width:39.281%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.325%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.719%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="33" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maturity</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1 month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3 months<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–12 months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–5 years<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cross currency swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.28%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,904</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,765</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,488</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64,307</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,198</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">152,662</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.51%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.17%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.72%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.92%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.94%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">509</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,004</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,542</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.04</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average USD/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,741</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,472</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,175</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">161,391</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50,924</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">249,703</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.01%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.18%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.36%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.40%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.60%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.646%"><tr><td style="width:1.0%"/><td style="width:39.281%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.325%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.827%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.719%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="33" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Maturity</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Up to 1 month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1–3 months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">3–12 months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1–5 years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Over 5 years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fair value hedges</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cross currency swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.28%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average EUR/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.38 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,396 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,784 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,568 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">121,878 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,069 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172,695 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.84%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.31%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.95%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.68%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.94%</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash flow hedges</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Foreign exchange</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">200 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">821 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">828 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,895 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average USD/GBP exchange rate</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.35 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.27 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate swap</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notional</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,000 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">625 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,428 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58,896 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,093 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Average fixed interest rate</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.00%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.23%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.55%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.81%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.65%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#e6e7e8;border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/></tr></table></div>
CY2022Q4	lyg	Hedged Liability Fair Value Hedge HedgedLiabilityFairValueHedge	1988000000	gbp
CY2021Q4	lyg	Hedged Liability Fair Value Hedge HedgedLiabilityFairValueHedge	1071000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	520322000000	gbp
CY2022Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4903000000	gbp
CY2022	ifrs-full	Fair Value Gains Losses On Financial Assets Reclassified Out Of Availableforsale Financial Assets Recognised In Other Comprehensive Income FairValueGainsLossesOnFinancialAssetsReclassifiedOutOfAvailableforsaleFinancialAssetsRecognisedInOtherComprehensiveIncome	9000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	517156000000	gbp
CY2021Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4042000000	gbp
CY2021	ifrs-full	Fair Value Gains Losses On Financial Assets Reclassified Out Of Availableforsale Financial Assets Recognised In Other Comprehensive Income FairValueGainsLossesOnFinancialAssetsReclassifiedOutOfAvailableforsaleFinancialAssetsRecognisedInOtherComprehensiveIncome	3000000	gbp
CY2022	ifrs-full	Disclosure Of Allowance For Credit Losses Explanatory DisclosureOfAllowanceForCreditLossesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 19: ALLOWANCE FOR EXPECTED CREDIT LOSSES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The calculation of the Group’s expected credit loss allowances and provisions against loan commitments and guarantees, which are set out in note 18, under IFRS 9 requires the Group to make a number of judgements, assumptions and estimates. The most significant are set out below:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Definition of default</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The probability of default (PD) of an exposure, both over a 12-month period and over its lifetime, is a key input to the measurement of the ECL allowance. Default has occurred when there is evidence that the customer is experiencing significant financial difficulty which is likely to affect the ability to repay amounts due. The definition of default adopted by the Group is described in note 2(H) Impairment of financial assets. IFRS 9 contains a rebuttable presumption that default occurs no later than when a payment is 90 days past due which the Group now uses for all its products following changes to the definition of default for UK mortgages on 1 January 2022. In addition, other indicators of mortgage default were added including end-of-term payments on past due interest-only accounts and loans considered non-performing due to recent arrears or forbearance, aligning the definition of Stage 3 credit-impaired for IFRS 9 to the CRD IV prudential regulatory definition of default. This change in definition of default contributes to the £1.5 billion increase in Stage 3 UK mortgages during the period.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Lifetime of an exposure</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A range of approaches, segmented by product type, has been adopted by the Group to estimate a product’s expected life. These include using the full contractual life and taking into account behavioural factors such as early repayments, extensions and refinancing. For non-revolving retail assets, the Group has assumed the expected life for each product to be the time taken for all significant losses to be observed. For revolving retail products, the Group has considered the losses beyond the contractual term over which the Group is exposed to credit risk. For commercial overdraft facilities, the average behavioural life has been used. Changes to the assumed expected lives of the Group’s assets could impact the ECL allowance recognised by the Group. The assessment of SICR and corresponding lifetime loss, and the PD, of a financial asset designated as Stage 2, or Stage 3, is dependent on its expected life.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Significant increase in credit risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performing assets are classified as either Stage 1 or Stage 2. An ECL allowance equivalent to 12 months’ expected losses is established against assets in Stage 1; assets classified as Stage 2 carry an ECL allowance equivalent to lifetime expected losses. Assets are transferred from Stage 1 to Stage 2 when there has been a significant increase in credit risk (SICR) since initial recognition. Credit-impaired assets are transferred to Stage 3 with a lifetime expected losses allowance. The Group uses both quantitative and qualitative indicators to determine whether there has been a SICR for an asset. For Retail, the following tables set out the retail master scale (RMS) grade triggers which result in a SICR for financial assets and the PD boundaries for each RMS grade.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">SICR triggers for key Retail portfolios</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.354%"><tr><td style="width:1.0%"/><td style="width:57.662%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.792%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Origination grade</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgages SICR grade</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards, loans and overdrafts SICR grade</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.354%"><tr><td style="width:1.0%"/><td style="width:16.425%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.791%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.792%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">RMS grade</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">4</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">5</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">7</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">8</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">11</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">12</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">13</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">14</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">PD boundary %</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.40</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.80</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.20</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.50</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.50</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.50</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.00</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14.00</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20.00</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30.00</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45.00</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99.99</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.00</span></td></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Probability-weighted annualised lifetime probability of default.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For Commercial a doubling of PD with a minimum increase in PD of 1 per cent and a resulting change in the underlying grade is treated as a SICR.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group uses the internal credit risk classification and watchlist as qualitative indicators to identify a SICR. The Group does not use the low credit risk exemption in its staging assessments. The use of a payment holiday in and of itself has not been judged to indicate a significant increase in credit risk, nor forbearance, with the underlying long-term credit risk deemed to be driven by economic conditions and captured through the use of forward-looking models. These portfolio level models are capturing the anticipated volume of increased defaults and therefore an appropriate assessment of staging and expected credit loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">All financial assets are assumed to have suffered a SICR if they are more than 30 days past due; credit cards, loans and overdrafts financial assets are also assumed to have suffered a SICR if they are in arrears on three or more separate occasions in a rolling 12-month period. Financial assets are classified as credit-impaired if they are 90 days past due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A Stage 3 asset that is no longer credit-impaired is transferred back to Stage 2 as no cure period is applied to Stage 3. UK mortgages is an exception to this rule where a probation period is enforced for non-performing, forborne and defaulted exposures in accordance with prudential regulation. If an exposure that is classified as Stage 2 no longer meets the SICR criteria, which in some cases capture customer behaviour in previous periods, it is moved back to Stage 1.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The setting of precise trigger points combined with risk indicators requires judgement. The use of different trigger points may have a material impact upon the size of the ECL allowance. The Group monitors the effectiveness of SICR criteria on an ongoing basis.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Generation of multiple economic scenarios</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The estimate of expected credit losses is required to be based on an unbiased expectation of future economic scenarios. The approach used to generate the range of future economic scenarios depends on the methodology and judgements adopted. The Group’s approach is to start from a defined base case scenario, used for planning purposes, and to generate alternative economic scenarios around this base case. The base case scenario is a conditional forecast underpinned by a number of conditioning assumptions that reflect the Group’s best view of key future developments. If circumstances appear likely to materially deviate from the conditioning assumptions, then the base case scenario is updated.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The base case scenario is central to a range of future economic scenarios generated by simulation of an economic model, for which the same conditioning assumptions apply as in the base case scenario. These scenarios are ranked by using estimated relationships with industry-wide historical loss data. With the base case already pre-defined, three other scenarios are identified as averages of constituent scenarios located around the 15th, 75th and 95th percentiles of the distribution. The full distribution is therefore summarised by a practical number of scenarios to run through ECL models representing an upside, the base case, and a downside scenario weighted at 30 per cent each, together with a severe downside scenario weighted at 10 per cent. The scenario weights represent the distribution of economic scenarios and not subjective views on likelihood. The inclusion of a severe downside scenario with a smaller weighting ensures that the non-linearity of losses in the tail of the distribution is adequately captured. Macroeconomic projections may employ reversionary techniques to adjust the paths of economic drivers towards long-run equilibria after a reasonable forecast horizon. The Group does not use such techniques to force the MES scenarios to revert to the base case planning view. Utilising such techniques would be expected to be immaterial for expected credit losses since loss sensitivity is highest over the initial five years of the projections. Most assets are expected to have matured, or reached the end of their behavioural life before the five-year horizon.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A forum under the chairmanship of the Chief Economist meets at least quarterly to review and, if appropriate, recommend changes to the method by which economic scenarios are generated, for approval by the Chief Financial Officer and Chief Risk Officer. In June 2022, the Group judged it appropriate to include an adjusted severe downside scenario to incorporate a high CPI inflation and UK Bank Rate profiles and to adopt this adjusted severe downside scenario to calculate the Group's ECL. This is because the historic macroeconomic and loan loss data upon which the scenario model is calibrated imply an association of downside economic outcomes with easier monetary policy, and therefore low interest rates. The adjustment is considered to better reflect the risks around the Group’s base case view in an economic environment where supply shocks are the principal concern. The Group has continued to include a non-modelled severe downside scenario for Group ECL calculations for 31 December 2022 reporting.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Base case and MES economic assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s base case economic scenario has been revised in light of the ongoing war in Ukraine, reversals in UK fiscal policy, and a continuing global shift towards a more restrictive monetary policy stance against a backdrop of elevated inflation pressures. The Group’s updated base case scenario has three conditioning assumptions: first, the war in Ukraine remains ‘local’, i.e. without overtly involving neighbouring countries, NATO or China; second, the UK labour market participation rate remains below pre-pandemic levels, impeding the economy’s supply capacity; and third, the Bank of England accommodates above-target inflation in the medium term, recognising the economic costs that might arise from a rapid return to the two per cent target.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Based on these assumptions and incorporating the economic data published in the fourth quarter, the Group’s base case scenario is for a contraction in economic activity and a rise in the unemployment rate alongside declines in residential and commercial property prices, following increases in UK Bank Rate in response to persistent inflationary pressures. Risks around this base case economic view lie in both directions and are largely captured by the generation of alternative economic scenarios.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has accommodated the latest available information at the reporting date in defining its base case scenario and generating alternative economic scenarios. The scenarios include forecasts for key variables in the fourth quarter of 2022, for which actuals may have since emerged prior to publication.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Scenarios by year</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The key UK economic assumptions made by the Group are shown in the following tables across a number of measures explained below.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annual assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product (GDP) and Consumer Price Index (CPI) inflation are presented as an annual change, house price growth and commercial real estate price growth are presented as the growth in the respective indices over each year. Unemployment rate and UK Bank Rate are averages over the year.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Five-year average</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The five-year average reflects the average annual growth rate, or level, over the five-year period. It includes movements within the current reporting year, such that the position as of 31 December 2022 covers the five years 2022 to 2026. The inclusion of the reporting year within the five-year period reflects the need to predict variables which remain unpublished at the reporting date and recognises that credit models utilise both level and annual changes. The use of calendar years maintains a comparability between the annual assumptions presented.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Five-year start to peak and trough</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The peak or trough for any metric may occur intra year and therefore not be identifiable from the annual assumptions, therefore they are also disclosed. For GDP, house price growth and commercial real estate price growth, the peak, or trough, reflects the highest, or lowest cumulative quarterly position reached relative to the start of the five-year period, which as of 31 December 2022 is 1 January 2022. Given these metrics may exhibit increases followed by greater falls, the start to trough movements quoted may be smaller than the equivalent ‘peak to trough’ movement (and vice versa for start to peak). Unemployment, UK Bank Rate and CPI Inflation reflect the highest, or lowest, quarterly level reached in the five-year period.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.621%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.691%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2024</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2025</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2026</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%"> to 2026 average</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Start to</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">peak</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Start to</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">trough</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Upside</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.94</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.95</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.98</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.63</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Base case</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.94</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.06</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Downside</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3.0)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.5)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.5)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(24.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(15.0)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3.7)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(29.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.94</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.93</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.98</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.04</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.65</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Severe downside</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.0)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(18.0)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11.5)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(40.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(28.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(47.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate – modelled</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.94</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.41</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.20</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.14</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.76</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate – adjusted</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.44</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.88</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.31</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation – modelled</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.7)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation – adjusted</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Probability-weighted</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7.7)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.5)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(18.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate – modelled</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.94</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.70</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.94</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.59</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.60</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.76</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.89</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate – adjusted</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.99</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.41</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.91</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.91</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.31</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation – modelled</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation – adjusted</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Since the level of property prices peaked during 2022, peak to trough declines for house price growth and commercial real estate price growth are larger than the start to trough declines over the period shown.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 The adjustment to UK Bank Rate and CPI inflation in the severe downside is considered to better reflect the risks around the Group’s base case view in an economic environment where supply shocks are the principal concern.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:36.820%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.667%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Base case scenario by quarter</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">First</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Second</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Third</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fourth</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">First</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Second</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Third</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fourth</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.3)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.4)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.4)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.4)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.2)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(0.1)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3.0)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(8.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(19.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(15.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Gross domestic product is presented quarter-on-quarter. House price growth, commercial real estate growth and CPI inflation are presented year-on-year, i.e. from the equivalent quarter in the previous year. Unemployment rate and UK Bank Rate are presented as at the end of each quarter.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.621%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.691%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2023</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2024</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2025</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">to 2025 average</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Start to<br/>peak<br/>%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Start to<br/>trough<br/>%</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Upside</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.14 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.44 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.74 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.82 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.03 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.43 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.04 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Base case</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.14 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.81 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.00 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.06 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.85 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Downside</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4.7)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7.0)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.14 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.45 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.52 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.55 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.69 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.47 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.71 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Severe downside</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12.5)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(30.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(19.6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.5)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6.8)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(30.0)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.14 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.04 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.06 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.08 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.09 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.08 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.02 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Probability-weighted</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.7)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.0)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3.7)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(0.3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.14 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.82 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.99 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.04 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.20 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.83 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.20 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CPI inflation</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.6 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.9 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.9 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.7 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.2 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.1 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.5 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.6 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 For 31 December 2021 scenarios, CPI numbers were translations of modelled Retail Price Index excluding mortgage interest payments (RPIX) estimates.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:35.796%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.666%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Base case scenario by quarter</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">First</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Second</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Third</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fourth</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">First</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Second</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Third</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Fourth</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">quarter</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross domestic product</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1.3)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.4 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.4 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.5 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.3 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unemployment rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">House price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial real estate price growth</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2.2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Bank Rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.50 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.75 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.00 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.00 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">CPI inflation</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.6 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.1 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.8 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.9 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.3 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.5 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.3 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.3 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Gross domestic product is presented quarter-on-quarter. House price growth, commercial real estate growth and CPI inflation are presented year-on-year, i.e. from the equivalent quarter in the previous year. Unemployment rate and UK Bank Rate are presented as at the end of each quarter.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ECL sensitivity to economic assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below shows the Group’s ECL for the probability-weighted, upside, base case, downside and severe downside scenarios, with the severe downside scenario incorporating adjustments made to CPI inflation and UK Bank Rate paths. The stage allocation for an asset is based on the overall scenario probability-weighted PD and hence the staging of assets is constant across all the scenarios. In each economic scenario the ECL for individual assessments and post-model adjustments is typically held constant reflecting the basis on which they are evaluated. For 31 December 2022, however, post-model adjustments in Commercial Banking have been apportioned across the scenarios to better reflect the sensitivity of these adjustments to each scenario. Judgements applied through changes to model inputs are reflected in the scenario ECL sensitivities. The probability-weighted view shows the extent to which a higher ECL allowance has been recognised to take account of multiple economic scenarios relative to the base case; the uplift being £692 million compared to £223 million at 31 December 2021.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:18.519%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.538%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.668%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Probability-<br/>weighted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Severe<br/>downside<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Probability-<br/>weighted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Severe<br/>downside<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,209</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">514</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">790</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,434</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,874</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">837 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">637 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">723 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">967 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,386 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">763</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">727</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">828</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,180</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">521 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">442 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">500 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">569 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">672 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,016</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">907</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">992</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,056</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,290</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">825 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">760 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">811 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">863 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">950 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,869</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,459</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,656</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,027</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,261</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,433 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,295 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,358 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,505 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,859 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">426 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">426 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">427 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">426 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">424 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ECL allowance</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,903</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,522</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,211</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,392</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,652</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,042 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,560 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,819 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,330 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,291 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below shows the Group’s ECL for the upside, base case, downside and severe downside scenarios, with staging of assets based on each specific scenario probability of default. ECL applied through individual assessments and the majority of post-model adjustments are reported flat against each economic scenario, reflecting the basis on which they are evaluated. A probability-weighted scenario is not shown as this does not reflect the basis on which ECL is reported. Comparing the probability-weighted ECL in the table above to the base case ECL with base case scenario specific staging, as shown in the table below, results in an uplift of £820 million compared to £230 million at 31 December 2021.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:35.796%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.667%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Severe<br/>downside<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Upside<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Base case<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Downside<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Severe<br/>downside<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">469</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">734</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,344</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,848</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">636 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">722 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">973 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,448 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">563</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">719</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">842</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,320</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">434 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">500 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">583 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">707 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">886</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">984</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,059</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,449</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">754 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">808 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">867 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">972 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,425</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,600</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,142</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,190</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,290 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,357 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,518 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,116 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">425 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">425 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">425 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">425 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ECL allowance</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,389</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,083</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,434</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,854</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,539 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,812 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,366 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,668 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below shows the percentage of assets that would be recorded in Stage 2 for the upside, base case, downside and severe downside scenarios, if stage allocation was based on each specific scenario.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:35.796%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.667%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Upside<br/>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Base case<br/>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Downside<br/>%</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Severe<br/>downside<br/>%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Upside<br/>%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Base case<br/>%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Downside<br/>%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Severe<br/>downside<br/>%</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11.3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.6 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.8 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.9 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21.7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">49.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20.1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Percentage of assets in Stage 2</span></td><td colspan="2" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55.1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="background-color:#ffffff;border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.5 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.6 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.7 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.6 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The impact of changes in the UK unemployment rate and House Price Index (HPI) have been assessed. Although such changes would not be observed in isolation, as economic indicators tend to be correlated in a coherent scenario, this gives insight into the sensitivity of the Group’s ECL to gradual changes in these two critical economic factors. The assessment has been made against the base case with the reported staging unchanged and is assessed through the direct impact on modelled ECL only, including management judgements applied through changes to model inputs. The change in univariate ECL sensitivity in the period is a result of the change in definition of default and associated model changes, and the deterioration in the base case on which the assessment has been performed.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below shows the impact on the Group’s ECL resulting from a 1 percentage point (pp) increase or decrease in the UK unemployment rate. The increase or decrease is presented based on the adjustment phased evenly over the first ten quarters of the base case scenario. An immediate increase or decrease would drive a more material ECL impact as it would be fully reflected in both 12-month and lifetime PDs.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:51.022%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.615%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1pp increase in<br/>unemployment<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1pp decrease in<br/>unemployment<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1pp increase in<br/>unemployment<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">1pp decrease in<br/>unemployment<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(21)</span></td><td style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">41</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(41)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(20)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(25)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(91)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(45)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ECL impact</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">192</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(178)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">107 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below shows the impact on the Group’s ECL in respect of UK mortgages of an increase or decrease in loss given default for a 10 percentage point (pp) increase or decrease in the UK House Price Index (HPI). The increase or decrease is presented based on the adjustment phased evenly over the first ten quarters of the base case scenario.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:51.022%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.615%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10pp increase<br/>in HPI</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">10pp decrease<br/>in HPI</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10pp increase<br/>in HPI</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">10pp decrease<br/>in HPI</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">ECL impact, £m</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(225)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">370</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(112)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">162 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Individual assessments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 ECL in Commercial Banking is largely assessed on an individual basis using bespoke assessment of loss for each specific client. These assessments are carried out by the Business Support Unit based on detailed reviews and expected recovery strategies. While these assessments are based on the Group’s latest economic view, the use of Group-wide multiple economic scenarios and weightings is not considered appropriate for these cases due to their individual characteristics. In place of this, a range of case-specific outcomes are considered with any alternative better or worse outcomes that carry a 25 per cent likelihood taken into account in establishing a probability-weighted ECL. At 31 December 2022, individually assessed provisions for Commercial Banking were £1,008 million (2021: £905 million) which reflected a range of £908 million to £1,140 million (2021: £741 million to £1,024 million), based on the range of alternative outcomes considered.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Application of judgement in adjustments to modelled ECL</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment models fall within the Group’s model risk framework with model monitoring, periodic validation and back testing performed on model components (i.e. probability of default, exposure at default and loss given default). Limitations in the Group’s impairment models or data inputs may be identified through the ongoing assessment and validation of the output of the models. In these circumstances, management make appropriate adjustments to the Group’s allowance for impairment losses to ensure that the overall provision adequately reflects all material risks. These adjustments are determined by considering the particular attributes of exposures which have not been adequately captured by the impairment models and range from changes to model inputs and parameters, at account level, through to more qualitative post-model adjustments. Post-model adjustments are not typically calculated under each distinct economic scenario used to generate ECL, but on final modelled ECL. All adjustments are reviewed quarterly and are subject to internal review and challenge, including by the Audit Committee, to ensure that amounts are appropriately calculated and that there are specific release criteria identified.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The coronavirus pandemic and the various support measures resulted in an economic environment which differed significantly from the historical economic conditions upon which the impairment models had been built. As a result there was a greater need for management judgements to be applied alongside the use of models at 31 December 2021. During 2022 the direct impact of the pandemic on both economic and credit performance has reduced, resulting in the release of all material judgements required specifically to capture COVID-19 risks. Conversely, the intensifying inflationary pressures alongside rising interest rates within the Group’s outlook have created further risks not deemed to be fully captured by ECL models. This has required judgements to be added to capture affordability risks from inflationary and rising interest rate pressures. At 31 December 2022 management judgement resulted in additional ECL allowances totalling £330 million (2021: £1,284 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses total ECL allowance by portfolio, separately identifying the amounts that have been modelled, those that have been individually assessed and those arising through the application of management judgement.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:34.917%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.718%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Modelled<br/>ECL<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Individually<br/>assessed<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Judgements due to:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>ECL<br/>£m</span></td></tr><tr style="height:29pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">COVID-19</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Inflationary risk<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">946</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">49</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">214</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,209</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">698</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">93</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">763</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Retail</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">903</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,016</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">972</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,008</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(111)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,869</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,565</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,008</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,903</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">426 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">837 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">436 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">521 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other Retail</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">757 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">825 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">342 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">905 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">200 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,433 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">400 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">426 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,853 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">905 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">779 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">453 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,042 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Judgements introduced to address the impact that COVID-19 and resulting interventions have had on the Group’s economic outlook and observed loss experience, which have required additional model limitations to be addressed. </span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Judgements due to COVID-19</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In 2021 the Group’s ECL allowance included amounts arising from the application of management judgement to address the impact of COVID-19. These adjustments principally comprised of:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">UK mortgages: £52 million to allow for an increase in the time assumed between default and repossession as a result of the Group temporarily suspending the repossession of properties to support customers during the pandemic; </span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Credit Cards, Other Retail and Business Banking: £134 million in relation to adjustments made for government support and subdued levels of consumer spending which were judged to have contributed to the reduced flow of accounts into default and to improved average credit scores across portfolios;</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Commercial Banking: £89 million in respect of adjustments to model inputs related to a reduction in the observed rate of UK corporate insolvencies. As anticipated, the rate of recoveries returned to pre-pandemic levels towards the end of 2021 and, with model outputs based on 12 months observed insolvency data, management believed the historically low levels of insolvencies seen during early 2021 did not reflect the underlying credit risk; </span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Commercial Banking: £80 million additional judgement in sectors which were considered to face an elevated risk due to COVID-driven restrictions, inflation and interest rate pressures; and </span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">A £400 million adjustment in respect of the risk to the base case economic scenario conditioning assumptions The base case represents the Group’s most likely view, however management believed that in the context of the pandemic, the possibility that the conditioning assumptions were invalidated was firmly to the downside. In particular, the possibility that a future virus mutation had vaccine resistance leading to serious social and economic disruption. Such a possibility was outside of the Group’s methodology because it would invalidate one of the key assumptions behind the base case forecast. As such an adjustment was made to increase the Group's ECL allowances to reflect the increased downside risk and the potential for the severity of losses to stretch beyond the Group's severe scenario. As the adjustment was calculated centrally it was not allocated to specific portfolios. It was therefore allocated against Stage 1 assets given that the downside risks were largely considered to relate to non-defaulted exposures, the majority of which were in Stage 1. An indicative allocation to allow users to understand where the Group believed that the additional losses could arise was as follows: UK mortgages: c.£200 million, Credit cards and Other Retail: c. 100 million, Commercial Banking c.£100 million. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Judgements due to inflationary risk </span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">UK mortgages: £49 million (2021: £52 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These adjustments comprise:</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflationary and interest rate pressures: £49 million (2021: £52 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There has been only modest evidence of credit deterioration in the UK mortgages portfolio through 2022 despite the high levels of inflation and the rising interest rate environment. Mortgage ECL models use bank base rate as a driver of predicted defaults and that has contributed to the elevated levels of ECL at 31 December 2022. However, there remains a potential risk to affordability from continued inflationary pressures combined with higher interest rates, and that this may not be fully captured by the Group’s ECL models. This risk is to customers maturing from low fixed rate deals, the building impact on variable rate holders and lower levels of real household income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The level of risk is somewhat mitigated from stressed affordability assessments applied at loan origination which means most customers are anticipated to be able to absorb payment shocks. A judgemental uplift in ECL has therefore been taken in specific segments of the mortgages portfolio, either where inflation is expected to present a more material risk, or where segments within the model do not use bank base rate as a material driver of predicted defaults. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021 additional judgemental ECL was taken in UK mortgages to recognise the heightened risk of interest rates increasing rapidly compared to the base case outlook. This judgement quantified incremental losses from adopting an alternative severe downside scenario with a 4 per cent interest rate peak. This judgement is no longer required given the Group’s base case outlook, and modelled ECL, now captures an equivalent interest rate view within the base case alongside an adjusted severe scenario with a 7 per cent interest rate peak.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Credit cards: £93 million (2021: £nil) and Other Retail: £53 million (2021: £nil) </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These adjustments comprise:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflationary risk on Retail segments: Credit Cards: £93 million (2021: £nil) and Other Retail: £53 million (2021: £nil)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s ECL models for credit cards and personal loan portfolios use predictions of wage growth to account for future affordability stress. As rapidly increasing inflation erodes nominal wage growth, adjustments have been made to the econometric models to account for real, rather than nominal, income to produce adjusted predicted defaults. These adjustments include the specific risk to affordability from increased housing costs, not captured by CPI. As these adjustments are made within predicted default models, they are calculated under each economic scenario and impact the staging of assets through increased PDs.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Alongside these portfolio-wide adjustments management have also made an additional uplift to ECL for customers with lower income levels and higher indebtedness deemed most vulnerable to inflationary pressures and interest rate rises. Although this segment of customers has not exhibited any greater stress to date, uplifts have been applied to recognise continued inflation and interest rates pose a greater proportionate risk in future periods. Management believe that this is an appropriate way to account for the aggregate inflationary risk in these unsecured portfolios and will continue to monitor both actual economic and customer outcomes to ensure that this adjustment remains reasonable and appropriate. </span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other judgements</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">UK mortgages: £214 million (2021: £426 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These adjustments principally comprise:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase in time to repossession: £118 million (2021: £87 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Due to the Group suspending mortgage litigation activity between late-2014 and mid-2018 due to policy changes for the treatment of arrears, and as collections strategy normalises post COVID-19 pandemic, the Group’s experience of possessions data on which our models rely on is limited. This reflects an adjustment made to allow for an increase in the time assumed between default and repossession.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provision coverage is uplifted to the equivalent levels of those accounts already in repossession on an estimated shortfall of balances expected to flow to possession. A further adjustment is made to accounts which have been in default for more than 24 months, with an arrears balance increase in the last six months. These accounts have their probability of possession set to 70 per cent based on observed historical losses incurred on accounts that were of an equivalent status. The increase in the judgement reflects a lower modelled coverage that requires a larger adjustment to reach the required levels.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset recovery values: £69 million (2021: £21 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Due to low repossession volumes, sales data informing the estimated level of discount in the event of repossessions has been limited, impacting the ability to update model parameters. Despite these low volumes, since 2020 the observed asset recovery sale values have remained broadly the same on the limited volumes seen, however the indexed valuation within the model has shown an increasing trend due to HPI increases, therefore management consider it appropriate to uplift ECL to reflect expected recovery values.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustment for specific segments: £25 million (2021: £54 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group monitors risks across specific segments of its portfolios which may not be fully captured through wider collective models. Judgemental increases applied to probability of default on forborne accounts (31 December 2021: £18 million) have been removed as models now include forborne accounts in Stage 3 assets. The judgement for fire safety and cladding uncertainty has reduced to £25 million (31 December 2021: £36 million). Though experience remains limited the risk is considered sufficiently material to address through judgement, given that there is evidence of assessed cases having defective cladding, or other fire safety issues, but this risk has reduced throughout the year.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Credit cards: £(28) million (2021: £(9) million) and Other Retail: £59 million (2021: £50 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These adjustments principally comprise:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lifetime extension on revolving products: Credit cards: £82 million (2021: £41 million) and Other Retail: £14 million (2021: £5 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An adjustment is required to extend the lifetime used for Stage 2 exposures on Retail revolving products from a three year modelled lifetime, which reflected the outcome data available when the model was developed. Previously this was deemed to be six years by increasing default probabilities through the extrapolation of the default trajectory observed throughout the three years and beyond. During 2022, work was undertaken to reassess the expected lifetime for these assets, which concluded in an extension of the expected lifetime from six to ten years, resulting in an increase to this adjustment.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments to loss given defaults (LGDs): Credit cards: £(96) million (2021: £(37) million) and Other Retail: £13 million (2021: £24 million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A number of adjustments have been made to the loss given default assumptions used within unsecured and motor credit models. These include judgements held previously, notably in relation to the alignment of MBNA credit card cure rates as collection strategies harmonise. Alongside this, new adjustments have also been raised to capture recent improvements in observed cure rates offset by updates to recovery cost assumptions. These adjustments will be released once incorporated into models through future recalibration which is pending model development.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Motor default suppression: Other Retail: £13 million (2021: £nil)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Used car prices have continued to rise through 2022 with lower actual defaults materialising than anticipated. Management consider it appropriate to uplift ECL to account for the risk that prices return back to more normalised levels.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Commercial Banking: £(111) million (2021: £(14) million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These adjustments principally comprise:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Adjustments to loss given defaults (LGDs): £(105) million (2021: £(25) million)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The modelling approach for loss given default for commercial exposures has been reviewed. Management deem ECL should be adjusted to mitigate limitations identified in the approach which are causing loss given defaults to be inflated. These include the benefit from amortisation of exposures relative to collateral values at default and a move to an exposure-weighted approach being adopted. These temporary adjustments will be addressed through future model development. </span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="i7ebdaeec8a7b4c7492741654f0d35289_36282"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate insolvency rates: £(35) million (2021: £nil)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During 2022, the volume of UK corporate insolvencies showed an increasing trend to above December 2019 levels, revealing a marked dislocation between observed UK corporate insolvencies and the Group’s credit performance. This dislocation gives rise to uncertainty over the drivers of observed trends and the appropriateness of the Group’s Commercial Banking model response which uses observed UK corporate insolvencies data. Given the Group’s asset quality remains strong with very low new defaults, a negative adjustment was deemed appropriate by management to address potential overstatement of Commercial Banking ECL.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Climate risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group considers how climate risks are incorporated into the measurement of expected credit losses. An assessment was performed of the Group’s internally generated economic scenarios used in the measurement of expected credit losses against external scenarios published by the Network for Greening the Financial System (NGFS). This was supplemented by an assessment of the behavioural lifetime of assets against the expected time horizons of when climate risks may materialise. Given the extended timelines related to climate risks compared to the tenor of the Group’s lending portfolios and insights produced by the Group’s climate risk experts, no adjustments have been required to the expected credit losses measured as at 31 December 2022.</span></div>
CY2022Q4	lyg	Percentage Increase Decrease In Uk Unemployment Rate PercentageIncreaseDecreaseInUKUnemploymentRate	0.01
CY2022Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4903000000	gbp
CY2021Q4	ifrs-full	Allowance Account For Credit Losses Of Financial Assets AllowanceAccountForCreditLossesOfFinancialAssets	4042000000	gbp
CY2022	ifrs-full	Disclosure Of Maturity Analysis Of Finance Lease Payments Receivable Explanatory DisclosureOfMaturityAnalysisOfFinanceLeasePaymentsReceivableExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 20: FINANCE LEASE AND HIRE PURCHASE RECEIVABLES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s finance lease and hire purchase receivables are classified as loans and advances to customers and accounted for at amortised cost. These balances are analysed as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Finance leases</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Hire purchase</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not later than 1 year</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">223</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">346 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,339</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,752 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 1 year and not later than 2 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">223</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">143 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,896</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,541 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 2 years and not later than 3 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">119</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">230 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,725</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,998 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 3 years and not later than 4 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">118 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,828 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 4 years and not later than 5 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">40</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">816 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 5 years</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">299</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">337 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">275</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">374 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross investment</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">958</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,228 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,598</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,309 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unearned future finance income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(181)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(232)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,458)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,359)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rentals received in advance</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(111)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(89)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net investment</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">766</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,029</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,861 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The net investment represents amounts recoverable as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Finance leases</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Hire purchase</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Not later than 1 year</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">177</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">277 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,646</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,032 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 1 year and not later than 2 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">192</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,468</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,172 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 2 years and not later than 3 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">96</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">200 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,456</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,781 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 3 years and not later than 4 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,856</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,754 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 4 years and not later than 5 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">358</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">767 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Later than 5 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">236</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">261 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">245</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net investment</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">766</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,029</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,861 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equipment leased to customers under finance leases and hire purchase receivables relates to financing transactions to fund the purchase of aircraft, ships, motor vehicles and other items. There was an allowance for uncollectable finance lease receivables included in the allowance for impairment losses of £14 million (2021: £18 million) and for hire purchase receivables of £238 million (2021: £275 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s finance lease and hire purchase assets are comprised as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Finance leases</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Hire purchase</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Electric vehicles</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">578</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">430 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Internal combustion engine vehicles</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">176</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,817</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,713 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hybrid vehicles</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">741</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">524 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">577</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">834 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,893</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,194 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net investment</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">766</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,029</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,861 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022Q4	ifrs-full	Finance Lease Receivables FinanceLeaseReceivables	958000000	gbp
CY2021Q4	ifrs-full	Finance Lease Receivables FinanceLeaseReceivables	1228000000	gbp
CY2022Q4	lyg	Hire Purchase Receivables HirePurchaseReceivables	17598000000	gbp
CY2021Q4	lyg	Hire Purchase Receivables HirePurchaseReceivables	17309000000	gbp
CY2022Q4	ifrs-full	Unearned Finance Income Relating To Finance Lease Payments Receivable UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable	181000000	gbp
CY2021Q4	ifrs-full	Unearned Finance Income Relating To Finance Lease Payments Receivable UnearnedFinanceIncomeRelatingToFinanceLeasePaymentsReceivable	232000000	gbp
CY2022Q4	lyg	Unearned Income Relating To Hire Purchase Payments Receivable UnearnedIncomeRelatingToHirePurchasePaymentsReceivable	1458000000	gbp
CY2021Q4	lyg	Unearned Income Relating To Hire Purchase Payments Receivable UnearnedIncomeRelatingToHirePurchasePaymentsReceivable	1359000000	gbp
CY2022Q4	ifrs-full	Current Advances CurrentAdvances	11000000	gbp
CY2021Q4	ifrs-full	Current Advances CurrentAdvances	14000000	gbp
CY2022Q4	lyg	Current Advances Received For Hire Purchase Receivable Representing Current Contract Liabilities For Performance Obligations Satisfied At Point In Time CurrentAdvancesReceivedForHirePurchaseReceivableRepresentingCurrentContractLiabilitiesForPerformanceObligationsSatisfiedAtPointInTime	111000000	gbp
CY2021Q4	lyg	Current Advances Received For Hire Purchase Receivable Representing Current Contract Liabilities For Performance Obligations Satisfied At Point In Time CurrentAdvancesReceivedForHirePurchaseReceivableRepresentingCurrentContractLiabilitiesForPerformanceObligationsSatisfiedAtPointInTime	89000000	gbp
CY2022Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	766000000	gbp
CY2021Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	982000000	gbp
CY2022Q4	lyg	Net Investment In Hire Purchase NetInvestmentInHirePurchase	16029000000	gbp
CY2021Q4	lyg	Net Investment In Hire Purchase NetInvestmentInHirePurchase	15861000000	gbp
CY2022Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	766000000	gbp
CY2021Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	982000000	gbp
CY2022Q4	lyg	Net Investment In Hire Purchase NetInvestmentInHirePurchase	16029000000	gbp
CY2021Q4	lyg	Net Investment In Hire Purchase NetInvestmentInHirePurchase	15861000000	gbp
CY2022Q4	lyg	Capital Leases Net Investmentin Direct Financing Leases Allowance For Uncollectible Minimum Lease Payments CapitalLeasesNetInvestmentinDirectFinancingLeasesAllowanceForUncollectibleMinimumLeasePayments	14000000	gbp
CY2021Q4	lyg	Capital Leases Net Investmentin Direct Financing Leases Allowance For Uncollectible Minimum Lease Payments CapitalLeasesNetInvestmentinDirectFinancingLeasesAllowanceForUncollectibleMinimumLeasePayments	18000000	gbp
CY2022Q4	lyg	Hire Purchases Net Investment In Hire Purchases Allowance For Uncollectible Minimum Payments HirePurchasesNetInvestmentInHirePurchasesAllowanceForUncollectibleMinimumPayments	238000000	gbp
CY2021Q4	lyg	Hire Purchases Net Investment In Hire Purchases Allowance For Uncollectible Minimum Payments HirePurchasesNetInvestmentInHirePurchasesAllowanceForUncollectibleMinimumPayments	275000000	gbp
CY2022Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	766000000	gbp
CY2021Q4	ifrs-full	Net Investment In Finance Lease NetInvestmentInFinanceLease	982000000	gbp
CY2022Q4	lyg	Net Investment In Hire Purchase NetInvestmentInHirePurchase	16029000000	gbp
CY2021Q4	lyg	Net Investment In Hire Purchase NetInvestmentInHirePurchase	15861000000	gbp
CY2022	ifrs-full	Disclosure Of Fair Value Of Each Investment In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income Explanatory DisclosureOfFairValueOfEachInvestmentInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,211</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,613 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">146</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,514</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,134 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,817 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">283</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,137 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Other Comprehensive Income FinancialAssetsAtFairValueThroughOtherComprehensiveIncome	23154000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Fair Value Through Other Comprehensive Income FinancialAssetsAtFairValueThroughOtherComprehensiveIncome	28137000000	gbp
CY2022	ifrs-full	Disclosure Of Joint Ventures Explanatory DisclosureOfJointVenturesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 22: INVESTMENTS IN JOINT VENTURES AND ASSOCIATES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s share of results of, and investments in, equity accounted joint ventures and associates comprises:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:29.646%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.370%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Joint ventures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Associates</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of income statement amounts:</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">108</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">115</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(85)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(80)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(78)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(105)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(91)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(89)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of post-tax results</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of other comprehensive income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of total comprehensive income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of balance sheet amounts:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><div style="text-align:right"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">324</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">382</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">444 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">230</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">181 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(97)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(142)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(108)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(119)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(126)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(119)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(126)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of net assets at 31 December</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">335</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">322 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">385</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">352 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Movement in investments over the year:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">352</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(23)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additional investments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repayment of capital</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(36)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(36)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of post-tax results</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of net assets at 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">335</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">322 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">385</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">352 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s unrecognised share of losses of associates for the year was £nil (2021: £nil; 2020: £nil). For entities making losses, subsequent profits earned are not recognised until previously unrecognised losses are extinguished. The Group’s unrecognised share of losses net of unrecognised profits on a cumulative basis of associates is £2 million (2021: £2 million; 2020: £2 million) and of joint ventures is £5 million (2021: £5 million; 2020: £5 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where entities have statutory accounts drawn up to a date other than 31 December, management accounts are used for Group reporting.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Included within the investment in joint ventures at 31 December 2022 is £68 million (2021: £73 million) of lending carried at amortised cost.</span></div>
CY2022	ifrs-full	Disclosure Of Interests In Associates Explanatory DisclosureOfInterestsInAssociatesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s share of results of, and investments in, equity accounted joint ventures and associates comprises:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:29.646%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.370%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Joint ventures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Associates</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of income statement amounts:</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">108</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">115</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expenses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(85)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(80)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(78)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(105)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(91)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(89)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit (loss) before tax</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Tax</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of post-tax results</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of other comprehensive income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of total comprehensive income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of balance sheet amounts:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"><div style="text-align:right"><span><br/></span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">324</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">382</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">444 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">230</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">181 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(97)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(142)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(108)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-current liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(119)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(126)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(119)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(126)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of net assets at 31 December</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">335</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">322 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">385</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">352 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Movement in investments over the year:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">279 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">352</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(23)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additional investments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repayment of capital</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(36)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(36)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of post-tax results</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share of net assets at 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">335</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">322 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">385</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">352 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/></tr></table></div>
CY2022	ifrs-full	Unrecognised Share Of Losses Of Associates UnrecognisedShareOfLossesOfAssociates	0	gbp
CY2021	ifrs-full	Unrecognised Share Of Losses Of Associates UnrecognisedShareOfLossesOfAssociates	0	gbp
CY2020	ifrs-full	Unrecognised Share Of Losses Of Associates UnrecognisedShareOfLossesOfAssociates	0	gbp
CY2022Q4	ifrs-full	Cumulative Unrecognised Share Of Losses Of Associates CumulativeUnrecognisedShareOfLossesOfAssociates	2000000	gbp
CY2021Q4	ifrs-full	Cumulative Unrecognised Share Of Losses Of Associates CumulativeUnrecognisedShareOfLossesOfAssociates	2000000	gbp
CY2020Q4	ifrs-full	Cumulative Unrecognised Share Of Losses Of Associates CumulativeUnrecognisedShareOfLossesOfAssociates	2000000	gbp
CY2022Q4	ifrs-full	Cumulative Unrecognised Share Of Losses Of Joint Ventures CumulativeUnrecognisedShareOfLossesOfJointVentures	5000000	gbp
CY2021Q4	ifrs-full	Cumulative Unrecognised Share Of Losses Of Joint Ventures CumulativeUnrecognisedShareOfLossesOfJointVentures	5000000	gbp
CY2020Q4	ifrs-full	Cumulative Unrecognised Share Of Losses Of Joint Ventures CumulativeUnrecognisedShareOfLossesOfJointVentures	5000000	gbp
CY2022	ifrs-full	Disclosure Of Goodwill Explanatory DisclosureOfGoodwillExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 23: GOODWILL</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,320</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,320 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of businesses (see below)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">335</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,655</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,320 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,999</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,664 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated impairment losses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(344)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(344)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,655</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,320 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 For acquisitions made prior to 1 January 2004, the date of transition to IFRS, cost is included net of amounts amortised up to 31 December 2003.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On 31 January 2022, the Group completed the acquisition of 100 per cent of the share capital of Embark Group Limited (Embark), which together with its subsidiaries operates an investment and retirement platform business, enhancing the Group’s Wealth business capabilities, and has been consolidated into the Group’s results from that date. The total fair value of the purchase consideration was £377 million, settled in cash, and goodwill of £324 million has been recognised on the transaction. None of the goodwill recognised is deductible for tax purposes. Acquisition-related costs of £4 million have been included in operating expenses for the year ended 31 December 2022. The revenue included in the consolidated statement of comprehensive income since 31 January 2022 contributed by Embark was £81 million, with net loss after tax of £9 million over the same period. Had Embark been consolidated from 1 January 2022, the consolidated statement of comprehensive income would have included revenue of £87 million and a net loss after tax of £12 million. The goodwill relating to the acquisition of Embark has been allocated to the Group’s Life and pensions business as it is expected to benefit from the synergies of the acquisition.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In addition, goodwill of £11 million arose on the Group’s acquisition of Cavendish Online during the year. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The goodwill held in the Group’s balance sheet is tested at least annually for impairment. For the purposes of impairment testing the goodwill is allocated to the appropriate cash generating unit; of the total balance of £2,655 million (2021: £2,320 million), £2,171 million, or 82 per cent (2021: £1,836 million, 79 per cent), including the £324 million arising on the acquisition of Embark in the year, has been allocated to the Life and pensions cash generating unit; £302 million, or 11 per cent (2021: £302 million, 13 per cent) has been allocated to the Credit card cash generating unit in the Group’s Retail division; and £166 million, or 6 per cent (2021: £166 million, 7 per cent) to the Motor business cash generating unit.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The recoverable amount of the goodwill relating to Scottish Widows is based on a value-in-use calculation. The calculation uses pre-tax projections of future cash flows based upon budgets and plans approved by management covering a four-year period, the related run-off of existing business in-force and a discount rate (pre-tax) of 11.2 per cent. The budgets and plans are based upon past experience adjusted to take into account anticipated changes in sales volumes, product mix and margins having regard to expected market conditions (which will reflect current and future risks, such as climate and expected economic activity conditions) and competitor activity. The discount rate is determined with reference to internal measures and available industry information. New business cash flows beyond the four-year period have been extrapolated using a reducing balance growth rate that falls from 3.5 per cent down to 2.0 percent after 20 years, which does not exceed the long-term average growth rate for the life assurance market. Management believes that any reasonably possible change in the key assumptions above would not cause the recoverable amount of the goodwill relating to Scottish Widows to fall below its balance sheet carrying value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The recoverable amount of the goodwill relating to the Motor business is based on a value-in-use calculation using post-tax cash flow projections based on financial budgets and plans approved by management covering a four-year period and a discount rate (post-tax) of 10 per cent, based on the Group’s cost of equity. The cash flows beyond the four-year period are extrapolated using a growth rate of 3.5 per cent which does not exceed the long-term average growth rates for the markets in which the Motor business participates. Management believes that any reasonably possible change in the key assumptions, including from the impacts of climate change or climate-related legislation, would not cause the recoverable amount of the goodwill relating to the Motor business to fall below the balance sheet carrying value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The recoverable amount of the goodwill relating to Credit cards has been based on a value-in-use calculation using post-tax cash flow projections based on financial budgets and plans approved by management covering a four-year period and a discount rate (post-tax) of 10 per cent, based on the Group’s cost of equity. The cash flows beyond the four-year period assume 3.5 per cent growth. Management believes that any reasonably possible change in the key assumptions above would not cause the recoverable amount of the goodwill relating to Credit cards to fall below the balance sheet carrying value.</span></div>
CY2022	ifrs-full	Disclosure Of Reconciliation Of Changes In Goodwill Explanatory DisclosureOfReconciliationOfChangesInGoodwillExplanatory	<div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,320</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,320 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of businesses (see below)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">335</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,655</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,320 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cost</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,999</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,664 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accumulated impairment losses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(344)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(344)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,655</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,320 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 For acquisitions made prior to 1 January 2004, the date of transition to IFRS, cost is included net of amounts amortised up to 31 December 2003.</span></div>
CY2021Q4	ifrs-full	Goodwill Goodwill	2320000000	gbp
CY2020Q4	ifrs-full	Goodwill Goodwill	2320000000	gbp
CY2022	ifrs-full	Acquisitions Through Business Combinations Intangible Assets And Goodwill AcquisitionsThroughBusinessCombinationsIntangibleAssetsAndGoodwill	335000000	gbp
CY2021	ifrs-full	Acquisitions Through Business Combinations Intangible Assets And Goodwill AcquisitionsThroughBusinessCombinationsIntangibleAssetsAndGoodwill	0	gbp
CY2022Q4	ifrs-full	Goodwill Goodwill	2655000000	gbp
CY2021Q4	ifrs-full	Goodwill Goodwill	2320000000	gbp
CY2022Q4	ifrs-full	Goodwill Goodwill	2655000000	gbp
CY2021Q4	ifrs-full	Goodwill Goodwill	2320000000	gbp
CY2022Q4	ifrs-full	Goodwill Goodwill	2655000000	gbp
CY2021Q4	ifrs-full	Goodwill Goodwill	2320000000	gbp
CY2022	lyg	Estimated Illiquidity Premium EstimatedIlliquidityPremium	0.0160
CY2021	lyg	Estimated Illiquidity Premium EstimatedIlliquidityPremium	0.0088
CY2022	ifrs-full	Disclosure Of Intangible Assets Explanatory DisclosureOfIntangibleAssetsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 25: OTHER INTANGIBLE ASSETS</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:39.163%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Brands<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Core deposit<br/>intangible<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Purchased<br/>credit card<br/>relationships<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Customer-<br/>related<br/>intangibles<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Capitalised<br/>software<br/>enhancements<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Cost:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2021</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">596 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,770 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,002 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,894 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,800 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions and acquisitions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,017 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,017 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">596 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,770 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,002 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,451 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,357 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions and acquisitions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,452</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,491</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(186)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(198)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">589</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,770</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,002</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">572</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,716</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,649</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Accumulated amortisation:</span></td><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2021</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">216 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,770 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">551 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,585 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,660 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charge for the year (note 11)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">892 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">962 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">216 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,770 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">621 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,016 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,161 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charge for the year (note 11)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">70</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">833</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">903</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(186)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(198)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">204</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,770</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">692</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,656</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,863</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance sheet amount at 31 December 2022</span></td><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">385</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">310</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,060</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,786</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance sheet amount at 31 December 2021</span></td><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">380 </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">381 </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,435 </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,196 </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Brands arising from the acquisition of Bank of Scotland in 2009 are recognised on the Group’s balance sheet and have been determined to have an indefinite useful life. The carrying value at 31 December 2022 was £380 million (2021: £380 million). The Bank of Scotland name has been in existence for over 300 years and there are no indications that the brand should not have an indefinite useful life. The recoverable amount has been based on a value-in-use calculation. The calculation uses post-tax projections for a four-year period of the income generated by the Bank of Scotland cost generating unit, a discount rate of 10 per cent and a future growth rate of 3.5 per cent. Management believes that any reasonably possible change in the key assumptions would not cause the recoverable amount of the Bank of Scotland brand to fall below its balance sheet carrying value.</span></div>
CY2022	ifrs-full	Disclosure Of Detailed Information About Intangible Assets Explanatory DisclosureOfDetailedInformationAboutIntangibleAssetsExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:39.163%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Brands<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Core deposit<br/>intangible<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Purchased<br/>credit card<br/>relationships<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Customer-<br/>related<br/>intangibles<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Capitalised<br/>software<br/>enhancements<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Cost:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2021</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">596 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,770 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,002 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,894 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,800 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions and acquisitions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,017 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,017 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">596 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,770 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,002 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,451 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,357 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions and acquisitions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,452</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,491</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(186)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(198)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">589</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,770</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,002</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">572</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,716</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,649</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Accumulated amortisation:</span></td><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2021</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">216 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,770 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">551 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,585 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,660 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charge for the year (note 11)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">892 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">962 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">216 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,770 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">621 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,016 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,161 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charge for the year (note 11)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">70</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">833</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">903</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals and write-offs</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(186)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(198)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">204</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,770</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">692</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,656</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,863</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance sheet amount at 31 December 2022</span></td><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">385</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">310</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,060</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,786</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Balance sheet amount at 31 December 2021</span></td><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">380 </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">381 </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,435 </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,196 </span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	ifrs-full	Intangible Assets Other Than Goodwill IntangibleAssetsOtherThanGoodwill	4786000000	gbp
CY2021Q4	ifrs-full	Intangible Assets Other Than Goodwill IntangibleAssetsOtherThanGoodwill	4196000000	gbp
CY2022	ifrs-full	Disclosure Of Other Assets Explanatory DisclosureOfOtherAssetsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 26: OTHER ASSETS</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property, plant and equipment:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment properties (see below)</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,532</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,612 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premises</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">817 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equipment</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,285</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,634 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease assets (see below)</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,816</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,196 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Right-of-use assets (note 27)</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,156</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,318 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,660</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,577 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlement balances</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">416</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">434 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Prepayments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,224</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,022 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred acquisition and origination costs</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,483</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,593 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total other assets</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,837</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,690 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Investment properties</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s investments properties are predominantly held by the Insurance, Pensions and Investments business where they back policyholder liabilities. They are valued by external Chartered Surveyors using industry standard techniques based on guidance from the Royal Institute of Chartered Surveyors. The valuation methodology includes an assessment of general market conditions and sector level transactions and takes account of expectations of occupancy rates, rental income and growth. Property valuations undergo individual scrutiny using cash flow analysis to factor in the timing of rental reviews, capital expenditure, lease incentives, dilapidation and operating expenses; these reviews utilise both observable and unobservable inputs. Within the fair value hierarchy, all of the Group’s investment properties are categorised as level 3 (see note 49 for details of levels in the fair value hierarchy). The table below analyses movements in level 3 investment properties, which are carried at fair value.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,612</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,347 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of new properties</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additional expenditure on existing properties</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in fair value (note 7)</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(511)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">575 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(679)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(396)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,532</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,612 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rental income of £145 million (2021: £186 million) and direct operating expenses of £32 million (2021: £25 million) arising from investment properties that generate rental income have been recognised in the income statement.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital expenditure in respect of investment properties which had been contracted for but not recognised in the financial statements was £119 million (2021: £78 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Operating lease assets where the Group is lessor</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equipment leased to customers under operating leases primarily relates to vehicle contract hire arrangements. At 31 December the future minimum rentals receivable under non-cancellable operating leases were as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Within 1 year</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">912</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">848 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 to 2 years</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">620</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">561 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 to 3 years</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 to 4 years</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">102</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 to 5 years</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Over 5 years</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total future minimum rentals receivable</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,967</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,791 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equipment leased to customers under operating leases primarily relates to vehicle contract hire arrangements. Operating lease assets are comprised as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Electric vehicles</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,610</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">728 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Internal combustion engine vehicles</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,042</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,531 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hybrid vehicles</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,159</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">928 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 8.09pt;text-align:left;text-indent:-7.09pt;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total operating lease assets</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,816</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,196 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022	ifrs-full	Disclosure Of Prepayments And Other Assets Explanatory DisclosureOfPrepaymentsAndOtherAssetsExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property, plant and equipment:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Investment properties (see below)</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,532</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,612 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Premises</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">817 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equipment</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,285</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,634 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Operating lease assets (see below)</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,816</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,196 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Right-of-use assets (note 27)</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,156</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,318 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,660</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,577 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlement balances</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">416</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">434 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Prepayments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,224</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,022 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred acquisition and origination costs</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,483</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,593 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total other assets</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,837</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,690 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	ifrs-full	Property Plant And Equipment PropertyPlantAndEquipment	10660000000	gbp
CY2021Q4	ifrs-full	Property Plant And Equipment PropertyPlantAndEquipment	11577000000	gbp
CY2022Q4	lyg	Settlement Balances SettlementBalances	416000000	gbp
CY2021Q4	lyg	Settlement Balances SettlementBalances	434000000	gbp
CY2022Q4	ifrs-full	Prepayments Prepayments	1224000000	gbp
CY2021Q4	ifrs-full	Prepayments Prepayments	1022000000	gbp
CY2022Q4	ifrs-full	Deferred Acquisition Costs Arising From Insurance Contracts DeferredAcquisitionCostsArisingFromInsuranceContracts	54000000	gbp
CY2021Q4	ifrs-full	Deferred Acquisition Costs Arising From Insurance Contracts DeferredAcquisitionCostsArisingFromInsuranceContracts	64000000	gbp
CY2022Q4	ifrs-full	Current Prepayments And Other Current Assets CurrentPrepaymentsAndOtherCurrentAssets	1483000000	gbp
CY2021Q4	ifrs-full	Current Prepayments And Other Current Assets CurrentPrepaymentsAndOtherCurrentAssets	1593000000	gbp
CY2022Q4	ifrs-full	Other Assets OtherAssets	13837000000	gbp
CY2021Q4	ifrs-full	Other Assets OtherAssets	14690000000	gbp
CY2022	ifrs-full	Disclosure Of Detailed Information About Property Plant And Equipment Explanatory DisclosureOfDetailedInformationAboutPropertyPlantAndEquipmentExplanatory	The table below analyses movements in level 3 investment properties, which are carried at fair value.<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,612</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,347 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of new properties</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additional expenditure on existing properties</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">68 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in fair value (note 7)</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(511)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">575 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(679)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(396)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,532</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,612 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022	ifrs-full	Additions From Acquisitions Investment Property AdditionsFromAcquisitionsInvestmentProperty	60000000	gbp
CY2021	ifrs-full	Additions From Acquisitions Investment Property AdditionsFromAcquisitionsInvestmentProperty	18000000	gbp
CY2022	ifrs-full	Direct Operating Expense From Investment Property DirectOperatingExpenseFromInvestmentProperty	50000000	gbp
CY2021	ifrs-full	Direct Operating Expense From Investment Property DirectOperatingExpenseFromInvestmentProperty	68000000	gbp
CY2022	ifrs-full	Direct Operating Expense From Investment Property Generating Rental Income DirectOperatingExpenseFromInvestmentPropertyGeneratingRentalIncome	32000000	gbp
CY2021	ifrs-full	Direct Operating Expense From Investment Property Generating Rental Income DirectOperatingExpenseFromInvestmentPropertyGeneratingRentalIncome	25000000	gbp
CY2022Q4	lyg	Capital Expenditure Contracted For But Not Recognised CapitalExpenditureContractedForButNotRecognised	119000000	gbp
CY2021Q4	lyg	Capital Expenditure Contracted For But Not Recognised CapitalExpenditureContractedForButNotRecognised	78000000	gbp
CY2022Q4	lyg	Minimum Lease Payments Receivable Under Noncancellable Operating Lease MinimumLeasePaymentsReceivableUnderNoncancellableOperatingLease	1967000000	gbp
CY2021Q4	lyg	Minimum Lease Payments Receivable Under Noncancellable Operating Lease MinimumLeasePaymentsReceivableUnderNoncancellableOperatingLease	1791000000	gbp
CY2022	ifrs-full	Disclosure Of Leases Explanatory DisclosureOfLeasesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 27: LESSEE DISCLOSURES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below sets out the movement in the Group’s right-of-use assets, which are primarily in respect of premises, and are recognised within other assets (note 26).</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,318</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,500 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">98</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(37)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation charge for the year</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(226)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(228)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,156</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,318 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s lease liabilities are recognised within other liabilities (note 34). The maturity analysis of the Group’s lease liabilities on an undiscounted basis is set out in the liquidity risk section of note 52.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The total cash outflow for leases in the year ended 31 December 2022 was £210 million (2021: £256 million). The amount recognised within interest expense in respect of lease liabilities is disclosed in note 5.</span></div>
CY2022	ifrs-full	Disclosure Of Quantitative Information About Rightofuse Assets Explanatory DisclosureOfQuantitativeInformationAboutRightofuseAssetsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below sets out the movement in the Group’s right-of-use assets, which are primarily in respect of premises, and are recognised within other assets (note 26).</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,318</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,500 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">98</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Disposals</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(37)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation charge for the year</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(226)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(228)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,156</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,318 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2021Q4	ifrs-full	Rightofuse Assets RightofuseAssets	1318000000	gbp
CY2020Q4	ifrs-full	Rightofuse Assets RightofuseAssets	1500000000	gbp
CY2022	lyg	Adjustments For Exchange And Other Adjustments Right Of Use Assets AdjustmentsForExchangeAndOtherAdjustmentsRightOfUseAssets	3000000	gbp
CY2021	lyg	Adjustments For Exchange And Other Adjustments Right Of Use Assets AdjustmentsForExchangeAndOtherAdjustmentsRightOfUseAssets	-9000000	gbp
CY2022	ifrs-full	Additions To Rightofuse Assets AdditionsToRightofuseAssets	98000000	gbp
CY2021	ifrs-full	Additions To Rightofuse Assets AdditionsToRightofuseAssets	73000000	gbp
CY2022	lyg	Disposals Of Right Of Use Assets DisposalsOfRightOfUseAssets	37000000	gbp
CY2021	lyg	Disposals Of Right Of Use Assets DisposalsOfRightOfUseAssets	18000000	gbp
CY2022	ifrs-full	Depreciation Rightofuse Assets DepreciationRightofuseAssets	226000000	gbp
CY2021	ifrs-full	Depreciation Rightofuse Assets DepreciationRightofuseAssets	228000000	gbp
CY2022Q4	ifrs-full	Rightofuse Assets RightofuseAssets	1156000000	gbp
CY2021Q4	ifrs-full	Rightofuse Assets RightofuseAssets	1318000000	gbp
CY2022	ifrs-full	Payments Of Lease Liabilities Classified As Financing Activities PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities	210000000	gbp
CY2021	ifrs-full	Payments Of Lease Liabilities Classified As Financing Activities PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities	256000000	gbp
CY2022	ifrs-full	Disclosure Of Financial Instruments Designated At Fair Value Through Profit Or Loss Explanatory DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities designated at fair value through profit or loss: </span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,159</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,537 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,178</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,541 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,037</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,962 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,540</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,620 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,577</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,582 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,755</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,123 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	lyg	Amount Contractually Payable On Debt Securities Held At Fair Value Through Profit Or Loss AmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	11195000000	gbp
CY2022Q4	lyg	Difference Between The Balance Sheet Carrying Value And Amount Contractually Payable On Debt Securities Held At Fair Value Through Profit Or Loss DifferenceBetweenTheBalanceSheetCarryingValueAndAmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	6036000000	gbp
CY2021Q4	lyg	Amount Contractually Payable On Debt Securities Held At Fair Value Through Profit Or Loss AmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	10558000000	gbp
CY2021Q4	lyg	Difference Between The Balance Sheet Carrying Value And Amount Contractually Payable On Debt Securities Held At Fair Value Through Profit Or Loss DifferenceBetweenTheBalanceSheetCarryingValueAndAmountContractuallyPayableOnDebtSecuritiesHeldAtFairValueThroughProfitOrLoss	4021000000	gbp
CY2022	ifrs-full	Increase Decrease In Fair Value Measurement Liabilities IncreaseDecreaseInFairValueMeasurementLiabilities	-324000000	gbp
CY2022	lyg	Gains Losses Attributable To Own Credit Risk Before Tax GainsLossesAttributableToOwnCreditRiskBeforeTax	519000000	gbp
CY2021	lyg	Gains Losses Attributable To Own Credit Risk Before Tax GainsLossesAttributableToOwnCreditRiskBeforeTax	-86000000	gbp
CY2022	ifrs-full	Disclosure Of Debt Securities Explanatory DisclosureOfDebtSecuritiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 29: DEBT SECURITIES IN ISSUE</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Senior unsecured notes issued</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,354 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Covered bonds (note 30)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,242</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,409 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Certificates of deposit issued</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,225</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,454 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securitisation notes (note 30)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,780</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,672 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial paper</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,663 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total debt securities in issue</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,552 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022Q4	lyg	Securitisation Notes At Fair Value Through Profit Or Loss SecuritisationNotesAtFairValueThroughProfitOrLoss	26000000	gbp
CY2021Q4	lyg	Securitisation Notes At Fair Value Through Profit Or Loss SecuritisationNotesAtFairValueThroughProfitOrLoss	33000000	gbp
CY2022	ifrs-full	Disclosure Of Amounts Arising From Insurance Contracts Explanatory DisclosureOfAmountsArisingFromInsuranceContractsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 31: LIABILITIES ARISING FROM INSURANCE CONTRACTS AND PARTICIPATING INVESTMENT CONTRACTS</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance contract and participating investment contract liabilities are comprised as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:34.917%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.718%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Reinsurance</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life insurance (see (1) below):</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance contracts</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,745</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(595)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,150</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,200 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(740)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">108,460 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Participating investment contracts</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,623 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,623 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,286</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(595)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">105,691</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,823 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(740)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,083 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-life insurance contracts (see (2) below):</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unearned premiums</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">246</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">229</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Claims outstanding</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">361</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">359</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">607</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(19)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">588</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">600 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">584 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,893</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(614)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,279</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,423 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(756)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,667 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reinsurance balances are reported within assets.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Life insurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The movement in life insurance contract and participating investment contract liabilities over the year can be analysed as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:45.752%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.716%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance<br/>contracts<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Participating<br/>investment<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Reinsurance<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2021</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102,424 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,041 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">115,465 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(820)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">114,645 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">New business</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,427 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,467 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(110)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,357 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in existing business</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,437 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">570 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,007 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">190 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,197 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in liabilities charged to the income statement (note 10)</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,864 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">610 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,474 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,554 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(88)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(116)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(116)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,200 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,623 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,823 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(740)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,083 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">New business</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,151</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,169</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(98)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,071</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in existing business</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17,693)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,100)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,793)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">243</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,550)</span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in liabilities charged to the income statement (note 10)</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13,542)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,082)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16,624)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">145</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16,479)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">87</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">87</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">87</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,745</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,286</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(595)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">105,691</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities for insurance contracts and participating investment contracts can be split into with-profit fund liabilities, accounted for using the PRA’s realistic capital regime (realistic liabilities), and non-profit fund liabilities, accounted for using a prospective actuarial discounted cash flow methodology, as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:39.895%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.566%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">With-profit<br/>fund<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-profit<br/>fund<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">With-profit<br/>fund<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-profit<br/>fund<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance contracts</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,778</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">89,967</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,745</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,232 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101,968 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,200 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Participating investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,435</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,106</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,641 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,982 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,623 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,213</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,073</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,286</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,873 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">108,950 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,823 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">With-profit fund realistic liabilities</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Business description</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scottish Widows Limited has the only with-profit funds within the Group. The primary purpose of the conventional and unitised business written in the with-profit funds is to provide a smoothed investment vehicle to policyholders, protecting them against short-term market fluctuations. Pay-outs may be subject to a guaranteed minimum pay-out if certain policy conditions are met. With-profit policyholders are entitled to at least 90 per cent of the distributed profits, with the shareholders receiving the balance. The policyholders are also usually insured against death and the policy may carry a guaranteed annuity option at retirement.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Method of calculation of liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">With-profit liabilities are stated at their realistic value, the main components of which are:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">With-profit benefit reserve, the total asset shares for with-profit policies</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Cost of options and guarantees (including guaranteed annuity options)</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Deductions levied against asset shares</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Planned enhancements to with-profit benefit reserve</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Impact of the smoothing policy</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(iii) Assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Key assumptions used in the calculation of with-profit liabilities, which reflect the impacts of COVID-19 that has also increased the level of uncertainty (in particular in relation to persistency and mortality assumptions) and the processes for determining these, are:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Investment returns and discount rates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">With-profit fund liabilities are valued on a market-consistent basis, achieved by the use of a valuation model which values liabilities on a basis calibrated to tradable market option contracts and other observable market data. The with-profit fund financial options and guarantees are valued using a stochastic simulation model where all assets are assumed to earn, on average, the risk-free yield and all cash flows are discounted using the risk-free yield. The risk-free yield is defined as the spot yield derived from the relevant swap curve, adjusted for credit risk. Further information on significant options and guarantees is given below.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Guaranteed annuity option take-up rates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Certain pension contracts contain guaranteed annuity options that allow the policyholder to take an annuity benefit on retirement at annuity rates that were guaranteed at the outset of the contract. For contracts that contain such options, key assumptions in determining the cost of options are economic conditions in which the option has value, mortality rates and take-up rates of other options. The financial impact is dependent on the value of corresponding investments, interest rates and longevity at the time of the claim.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Investment volatility</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The calibration of the stochastic simulation model uses implied volatilities of derivatives where possible, or historical volatility where it is not possible to observe meaningful prices.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Mortality</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The mortality assumptions for the main classes of business are set with regard to recent Group experience and general industry trends, all of which are adjusted for smoker status and age/gender specific factors. The mortality tables used in the valuation are summarised below:</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:20.715%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:37.992%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:37.993%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">94% Bespoke tables<br/>CMI2021_{M/F}_(7.25)_ {3.0/2.8}%_{0.0/0.2}A_2013</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94% Bespoke tables<br/>CMI2020_{M/F}_(7.25)_ {3.0/2.8}%_{0.3/0.4}A_2013</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Whole of life assurance</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Bespoke tables</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bespoke tables</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Term assurance</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88%–111% of TxxL08 tables</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88%–111% of TxxL08 tables</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensions</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64%–77% of TxxL08 tables</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64%–77% of TxxL08 tables</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Savings</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62%–74% of AxC00 tables</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55%–80% of AxC00 tables</span></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Lapse rates (persistency)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lapse rates refer to the rate of policy termination or the rate at which policyholders stop paying regular premiums due under the contract.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Historical persistency experience is analysed using statistical techniques. As experience can vary considerably between different product types and for contracts that have been in force for different periods, the data is broken down into broadly homogenous groups for the purposes of this analysis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The most recent experience is considered along with the results of previous analyses and management’s views on future experience, taking into consideration potential changes in future experience that may result from guarantees and options becoming more valuable under adverse market conditions, in order to determine a ‘best estimate’ view of what persistency will be. In determining this best estimate view a number of factors are considered, including the credibility of the results (which will be affected by the volume of data available), any exceptional events that have occurred during the period under consideration, any known or expected trends in underlying data and relevant published market data.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(iv) Options and guarantees within the With-Profit Funds</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The most significant options and guarantees provided from within the With-Profit Funds are in respect of guaranteed minimum cash benefits on death, maturity, retirement or certain policy anniversaries, and guaranteed annuity options on retirement for certain pension policies.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For those policies written in Scottish Widows pre-demutualisation containing potentially valuable options and guarantees, under the terms of the demutualisation scheme a separate memorandum account was set up, within the With-Profit Fund originally held in Scottish Widows plc and subsequently transferred into Scottish Widows Limited, called the Additional Account, which is available, inter alia, to meet any additional costs of providing guaranteed benefits in respect of those policies. The Additional Account had a value at 31 December 2022 of £1.9 billion (2021: £2.5 billion). The eventual cost of providing benefits on policies written both pre and post demutualisation is dependent upon a large number of variables, including future interest rates and equity values, demographic factors, such as mortality, and the proportion of policyholders who seek to exercise their options. The ultimate cost will therefore not be known for many years.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As noted above, the liabilities of the With-Profit Funds are valued using a market-consistent stochastic simulation model which places a value on the options and guarantees capturing both their intrinsic value and time value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The most significant economic assumptions included in the model are risk-free yield and investment volatility.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-profit fund liabilities</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Business description</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group principally writes the following types of life insurance contracts within its non-profit funds. Shareholder profits on these types of business arise from management fees and other policy charges.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Unit-linked business</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">This includes unit-linked pensions and unit-linked bonds, the primary purpose of which is to provide an investment vehicle where the policyholder is also insured against death.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Life insurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The policyholder is insured against death or permanent disability, usually for predetermined amounts. Such business includes whole of life and term assurance and long-term creditor policies.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Annuities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The policyholder is entitled to payments for the duration of their life and is therefore insured against surviving longer than expected.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Method of calculation of liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The non-profit fund liabilities are determined on the basis of recognised actuarial methods and involve estimating future policy cash flows over the duration of the in-force book of policies, and discounting the cash flows back to the valuation date allowing for probabilities of occurrence.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(iii) Assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Generally, assumptions used to value non-profit fund liabilities are prudent in nature and therefore contain a margin for adverse deviation. This margin for adverse deviation is based on management’s judgement and reflects management’s views on the inherent level of uncertainty. In calculating the value of non-profit fund liabilities, the impacts of COVID-19, which have increased the level of uncertainty, have been considered, in particular in relation to persistency and mortality. The key assumptions used in the measurement of non-profit fund liabilities are:</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Interest rates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The rates of interest used are determined by reference to a number of factors including the redemption yields on fixed interest assets at the valuation date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Margins for risk are allowed for in the assumed interest rates, including reductions made to the available yields to allow for default risk based upon the credit rating of the securities allocated to the insurance liability.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Mortality and morbidity</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The mortality assumptions for the main classes of business are as follows:</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:20.715%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:37.992%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:37.993%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annuities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">94% Bespoke tables<br/>CMI2021_{M/F}_(7.25)_ {3.0/2.8}%_{0.0/0.2}A_2013</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">94% Bespoke tables<br/>CMI2020_{M/F}_(7.25)_ {3.0/2.8}%_{0.3/0.4}A_2013</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Whole of life assurance</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Bespoke tables</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bespoke tables</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Term assurance</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88%–111% of TxxL08 tables</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88%–111% of TxxL08 tables</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensions</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">64%–77% of TxxL08 tables</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64%–77% of TxxL08 tables</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Savings</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62%–74% of AxC00 tables</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55%–80% of AxC00 tables</span></td></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Lapse rates (persistency)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lapse rates are allowed for on some non-profit fund contracts. The process for setting these rates is as described for with-profit liabilities, however a prudent scenario is assumed by the inclusion of a margin for adverse deviation within the non-profit fund liabilities.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Maintenance expenses</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Allowance is made for future policy costs explicitly. Expenses are determined by reference to an internal analysis of current and expected future costs plus a margin for adverse deviation. Explicit allowance is made for future expense inflation.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Key changes in assumptions</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A detailed review of the Group’s demographic and expense assumptions in 2022</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%"> resulted in a net gain of </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">£348 million (2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">: net gain of </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">£43 million). The following were the key impacts on profit before tax:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Change in persistency assumptions (£229 million increase (2021: £15 million decrease))</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Change in the assumption in respect of current and future mortality and morbidity rates (£112 million increase (2021: £149 million increase))</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Change in expense assumptions (£9 million increase (2021: £94 million decrease))</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These amounts include the impacts of movements in liabilities and value of the in-force business in respect of insurance contracts and participating investment contracts.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(iv) Options and guarantees outside the With-Profit Funds</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A number of typical guarantees are provided outside the With-Profit Funds such as guaranteed payments on death (for example term assurance) or guaranteed income for life (for example annuities). Caps and floors on inflation-linked increases to benefits and premiums across the annuities and protection business form additional guarantees within the Group’s insurance business. Key assumptions affecting the time value of these guarantees are inflation, inflation volatility and interest rates. At 31 December 2022, additional reserves of £74 million were held to cover the time value of these guarantees. In addition, certain personal pension policyholders in Scottish Widows, for whom reinstatement to their occupational pension scheme was not an option, have been given a guarantee that their pension and other benefits will correspond in value to the benefits of the relevant occupational pension scheme. The key assumptions affecting the ultimate value of the guarantee are future salary growth, gilt yields at retirement, annuitant mortality at retirement, marital status at retirement and future investment returns. There is currently a provision, calculated on a deterministic basis, of £30 million (2021: £61 million) in respect of those guarantees.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Non-life insurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For non-life insurance contracts, the methodology and assumptions used in relation to determining the bases of the earned premium and claims provisioning levels are derived for each individual underwritten product. Assumptions represent the Group’s estimates of the most likely or expected outcome, with a margin added for uncertainty reserves. There has been no significant change in the assumptions and methodologies used for setting reserves.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The movements in non-life insurance contract liabilities and reinsurance assets over the year have been as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.451%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.678%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Provisions for unearned premiums</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross provision at 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">312</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">330 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase in the year</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">494</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">624 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Release in the year</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(560)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(642)</span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in provision for unearned premiums charged (credited) to income statement</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(66)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross provision at 31 December</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">246</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reinsurers’ share</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net provision at 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">229</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These provisions represent the liability for short-term insurance contracts for which the Group’s obligations are not expired at the year end.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Claims outstanding</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross claims outstanding at 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">288</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">265 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash paid for claims settled in the year</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(342)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(305)</span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase in liabilities charged to the income statement</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">415</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">328 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Gross claims outstanding at 31 December</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">361</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reinsurers’ share</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net claims outstanding at 31 December</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">359</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notified claims</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">208</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">177 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Incurred but not reported</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">151</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">111 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net claims outstanding at 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">359</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Of which an increase of £402 million (2021: increase of £367 million) was in respect of current year claims and an increase of £13 million (2021: decrease of £39 million) was in respect of prior year claims.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These claims liabilities are not discounted because they are typically settled within three years.</span></div>
CY2022	ifrs-full	Disclosure Of Types Of Insurance Contracts Explanatory DisclosureOfTypesOfInsuranceContractsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance contract and participating investment contract liabilities are comprised as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:34.917%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.718%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Reinsurance</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross<br/>£m</span></td><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Reinsurance</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life insurance (see (1) below):</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance contracts</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,745</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(595)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,150</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109,200 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(740)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">108,460 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Participating investment contracts</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,623 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,623 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,286</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(595)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">105,691</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,823 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(740)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,083 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-life insurance contracts (see (2) below):</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unearned premiums</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">246</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(17)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">229</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">312 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Claims outstanding</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">361</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">359</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">607</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(19)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">588</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">600 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">584 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,893</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(614)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,279</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,423 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(756)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122,667 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reinsurance balances are reported within assets.</span></div>
CY2022	ifrs-full	Actuarial Gains Losses Arising From Changes In Financial Assumptions Net Defined Benefit Liability Asset ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset	348000000	gbp
CY2021	ifrs-full	Actuarial Gains Losses Arising From Changes In Financial Assumptions Net Defined Benefit Liability Asset ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset	43000000	gbp
CY2021Q4	ifrs-full	Current Provisions CurrentProvisions	312000000	gbp
CY2020Q4	ifrs-full	Current Provisions CurrentProvisions	330000000	gbp
CY2022	ifrs-full	Increase Decrease In Provision For Unearned Premium IncreaseDecreaseInProvisionForUnearnedPremium	-66000000	gbp
CY2021	ifrs-full	Increase Decrease In Provision For Unearned Premium IncreaseDecreaseInProvisionForUnearnedPremium	-18000000	gbp
CY2022Q4	ifrs-full	Current Provisions CurrentProvisions	246000000	gbp
CY2021Q4	ifrs-full	Current Provisions CurrentProvisions	312000000	gbp
CY2022	ifrs-full	Expenses Arising From Reinsurance Held ExpensesArisingFromReinsuranceHeld	17000000	gbp
CY2021	ifrs-full	Expenses Arising From Reinsurance Held ExpensesArisingFromReinsuranceHeld	16000000	gbp
CY2022Q4	ifrs-full	Provisions Provisions	229000000	gbp
CY2021Q4	ifrs-full	Provisions Provisions	296000000	gbp
CY2022	ifrs-full	Disclosure Of Sensitivity Analysis For Actuarial Assumptions Explanatory DisclosureOfSensitivityAnalysisForActuarialAssumptionsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 32: LIFE INSURANCE SENSITIVITY ANALYSIS</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following table demonstrates the effect of reasonably possible changes in key assumptions on profit before tax and equity disclosed in these financial statements assuming that the other assumptions remain unchanged. In practice this is unlikely to occur, and changes in some assumptions may be correlated. These amounts include movements in assets, liabilities and the value of the in-force business in respect of insurance contracts and participating investment contracts. The impact is shown in one direction but can be assumed to be reasonably symmetrical.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:43.995%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.541%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Change in variable</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase<br/>(reduction)<br/>in profit<br/>before tax<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase<br/>(reduction)<br/>in equity<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase<br/>(reduction)<br/>in profit<br/>before tax<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Increase<br/>(reduction)<br/>in equity<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Critical accounting estimates</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Annuitant mortality</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(188)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(152)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(301)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(244)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Future maintenance and investment expenses</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">309</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">250</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">288 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Widening of credit default spreads</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% addition</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(284)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(230)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(433)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(351)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase in illiquidity premia</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.10% addition</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">114</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">92</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">190 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other accounting estimates</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Non-annuitant mortality and morbidity</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">5</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lapse rates</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">6</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">122</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">99</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risk-free rate</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">7</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.25% reduction</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Guaranteed annuity option take up</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">8</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5% addition</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity investment volatility</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">9</span></div></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1% addition</span></div></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 This sensitivity shows the impact on the annuity and deferred annuity business of reducing mortality rates to 95 per cent of the expected rate. </span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 This sensitivity shows the impact of reducing maintenance expenses and investment expenses to 90 per cent of the expected rate.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 This sensitivity shows the impact of a 25 basis point increase in credit default spreads on corporate bonds and the corresponding reduction in market values. Swap curves, the risk-free rate and illiquidity premia are all assumed to be unchanged.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 This sensitivity shows the impact of a 10 basis point increase in the allowance for illiquidity premia. It assumes the overall spreads on assets are unchanged and hence market values are unchanged. Swap curves and the non-annuity risk-free rate are both assumed to be unchanged. The increased illiquidity premium increases the annuity risk-free rate.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 This sensitivity shows the impact of reducing mortality and morbidity rates on non-annuity business to 95 per cent of the expected rate.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 This sensitivity shows the impact of reducing lapse and surrender rates to 90 per cent of the expected rate.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7 This sensitivity shows the impact on the value of in-force business, financial options and guarantee costs, statutory reserves and asset values of reducing the risk-free rate by 25 basis points.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8 This sensitivity shows the impact of a flat 5 per cent addition to the expected rate. </span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">9 This sensitivity shows the impact of a flat 1 per cent addition to the expected rate.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assumptions have been flexed on the basis used to calculate the value of in-force business and the realistic and statutory reserving bases.</span></div>
CY2022Q4	lyg	Maintenance And Investment Expenses Expected Rate MaintenanceAndInvestmentExpensesExpectedRate	0.90
CY2022Q4	lyg	Credit Default Spreads CreditDefaultSpreads	0.0025
CY2022Q4	lyg	Allowance For Illiquid Premia AllowanceForIlliquidPremia	0.0010
CY2022Q4	lyg	Long Duration Contracts Assumptions By Product And Guarantee Lapse Rate LongDurationContractsAssumptionsByProductAndGuaranteeLapseRate	0.90
CY2022Q4	lyg	Adjustment To Risk Free Rate AdjustmentToRiskFreeRate	-0.0025
CY2022Q4	lyg	Guaranteed Annuity Option Take Up Expected Rate GuaranteedAnnuityOptionTakeUpExpectedRate	0.05
CY2022Q4	lyg	Long Duration Contracts Assumptions By Product And Guarantee Volatility Rate LongDurationContractsAssumptionsByProductAndGuaranteeVolatilityRate	0.01
CY2022	ifrs-full	Disclosure Of Investment Contracts Liabilities Explanatory DisclosureOfInvestmentContractsLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 33: LIABILITIES ARISING FROM NON-PARTICIPATING INVESTMENT CONTRACTS</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The movement in liabilities arising from non-participating investment contracts may be analysed as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45,040</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,452 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">New business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,148</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,187 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes in existing business</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,213)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,401 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,040 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The balances above are shown gross of reinsurance. As at 31 December 2022, related reinsurance balances were £2 million (2021: £3 million); reinsurance balances are reported within assets. Liabilities arising from non-participating investment contracts are categorised as level 2. See note 49 for details of levels in the fair value hierarchy.</span></div>
CY2022	ifrs-full	Disclosure Of Other Liabilities Explanatory DisclosureOfOtherLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 34: OTHER LIABILITIES</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlement balances</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,125</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">541 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unitholders’ interest in consolidated Open-Ended Investment Companies</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,413</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,080 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unallocated surplus within insurance businesses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">248</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,317</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,475 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other creditors and accruals</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,987</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,543 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total other liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,090</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,947 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Where a collective investment vehicle is consolidated, the interests of parties other than the Group are reported at fair value in other liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The maturity analysis of the Group’s lease liabilities on an undiscounted basis is set out in the liquidity risk section of note 52.</span></div>
CY2022Q4	ifrs-full	Lease Liabilities LeaseLiabilities	1317000000	gbp
CY2021Q4	ifrs-full	Lease Liabilities LeaseLiabilities	1475000000	gbp
CY2022Q4	ifrs-full	Other Liabilities OtherLiabilities	19090000000	gbp
CY2021Q4	ifrs-full	Other Liabilities OtherLiabilities	19947000000	gbp
CY2022	ifrs-full	Disclosure Of Employee Benefits Explanatory DisclosureOfEmployeeBenefitsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 35: RETIREMENT BENEFIT OBLIGATIONS</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Charge to the income statement</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit pension schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">123</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">234 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other post-retirement benefit schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total defined benefit schemes</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">125</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">236 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined contribution pension schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">330</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">302 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">319 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total charge to the income statement (note 11)</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">455</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">566 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amounts recognised in the balance sheet</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,823</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,531 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retirement benefit obligations</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(126)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(230)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total amounts recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,301 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The total amounts recognised in the balance sheet relate to:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit pension schemes</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,732</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other post-retirement benefit schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(35)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(103)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total amounts recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,301 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Pension schemes</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Defined benefit schemes</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Characteristics of and risks associated with the Group’s schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has established a number of defined benefit pension schemes in the UK and overseas. All significant schemes are based in the UK, with the three most significant being the main sections of the Lloyds Bank Pension Scheme No. 1, the Lloyds Bank Pension Scheme No. 2 and the HBOS Final Salary Pension Scheme. At 31 December 2022, these schemes represented 94 per cent of the Group’s total gross defined benefit pension assets (2021: 94 per cent). These schemes provide retirement benefits calculated as a proportion of final pensionable salary depending upon the length of pensionable service; the minimum retirement age under the rules of the schemes at 31 December 2022 is generally 55, although certain categories of member are deemed to have a protected right to retire at 50.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group operates both funded and unfunded pension arrangements; the majority, including the three most significant schemes, are funded schemes in the UK. All of these UK funded schemes are operated as separate legal entities under trust law, are in compliance with the Pensions Act 2004 and are managed by a Trustee Board (the Trustee) whose role is to ensure that their scheme is administered in accordance with the scheme rules and relevant legislation, and to safeguard the assets in the best interests of all members and beneficiaries. The Trustee is solely responsible for setting investment policy and for agreeing funding requirements with the employer through the funding valuation process. The Board of Trustees must be composed of representatives of the scheme membership along with a combination of independent and employer appointed trustees to comply with legislation and scheme rules.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A valuation to determine the funding status of each scheme is carried out at least every three years, whereby scheme assets are measured at market value and liabilities (technical provisions) are measured using prudent assumptions. If a deficit is identified a recovery plan is agreed between the employer and the scheme Trustee and sent to the Pensions Regulator for review. The Group has not provided for these deficit contributions as the future economic benefits arising from these contributions are expected to be available to the Group. The Group’s overseas defined benefit pension schemes are subject to local regulatory arrangements.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The most recent triennial funding valuations of the Group’s three main defined benefit pension schemes showed an aggregate ongoing funding deficit of £7.3 billion as at 31 December 2019 (a funding level of 85.7 per cent). Under the agreed recovery plan, £0.8 billion plus a further 30 per cent of in-year capital distributions to ordinary shareholders, up to a limit on total deficit contributions of £2.0 billion per annum, is payable until the 2019 deficit has been removed.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These schemes continue to have a funding deficit, but are in a significantly stronger financial position than at 31 December 2021, when the deficit was c.£4.0 billion. During 2022, deficit contributions of £2.2 billion were paid into these schemes and the Group expects to make a further fixed contribution of £0.8 billion in the first half of 2023, consistent with 2021 and 2022.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group expects to have substantially agreed the triennial valuation with the Trustee by the end of the third quarter of 2023, along with a revised contribution schedule in respect of any remaining deficit. Trustee agreement will be conditional upon prior feedback from the Pensions Regulator. The Group also expects that future contributions will become increasingly contingent in nature, such that they are only paid into the schemes if required. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The deficit contributions are in addition to the regular contributions to meet benefits accruing over the year, and to cover the expenses of running the schemes. The Group expects to pay contributions of at least £1.1 billion to its defined benefit schemes in 2023.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During 2009, the Group made one-off contributions to the Lloyds Bank Pension Scheme No. 1 and Lloyds Bank Pension Scheme No. 2 in the form of interests in limited liability partnerships for each of the two schemes which hold assets to provide security for the Group’s obligations to the two schemes. At 31 December 2022, the limited liability partnerships held assets of £6.3 billion. The limited liability partnerships are consolidated fully in the Group’s balance sheet.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has also established three private limited companies which hold assets to provide security for the Group’s obligations to the HBOS Final Salary Pension Scheme, a section of the Lloyds Bank Pension Scheme No. 1 and the Lloyds Bank Offshore Pension Scheme. At 31 December 2022 these held assets of £4.5 billion in aggregate. The private limited companies are consolidated fully in the Group’s balance sheet. The terms of these arrangements require the Group to maintain assets in these vehicles to agreed minimum values in order to secure obligations owed to the relevant Group pension schemes. The Group has satisfied this requirement during 2022.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The last funding valuations of other Group schemes were carried out on a number of different dates. In order to report the position under IAS 19 as at 31 December 2022, the most recent valuation results for all schemes have been updated by qualified independent actuaries. The funding valuations use a more prudent approach to setting the discount rate and more conservative longevity and inflation assumptions than the IAS 19 valuations.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In a judgment in 2018, the High Court confirmed the requirement to equalise the Guaranteed Minimum Pension (GMP) benefits of men and women accruing between 1990 and 1997 from contracting out of the State Earnings Related Pension Scheme. The Group recognised a past service cost of £108 million in respect of equalisation in 2018 and, following agreement of the detailed implementation approach with the Trustee, a further £33 million was recognised in 2019. A further hearing was held during 2020 which confirmed the extent of the Trustee’s obligation to revisit past transfers out of the schemes. The amount of any additional liability as a result of this judgment is still being reviewed but is not considered likely to be material.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Amounts in the financial statements</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount included in the balance sheet</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Present value of funded obligations</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(28,965)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47,130)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,534 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net amount recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,732</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net amount recognised in the balance sheet</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,404</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,578 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net defined benefit pension charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(123)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(234)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains on defined benefit obligation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,222</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,267 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Return on plan assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,302)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,530</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,732</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Movements in the defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(47,130)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(49,549)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(180)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(213)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(902)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(704)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Remeasurements:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial losses – experience</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,186)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(426)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains (losses) – demographic assumptions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">288</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(146)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains – financial assumptions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,120</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,839 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,048</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,034 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service cost</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(32)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(28,965)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47,130)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of the defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Active members</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,088)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,837)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred members</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(8,515)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16,167)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensioners</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16,013)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(23,171)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dependants</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,349)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,955)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(28,965)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47,130)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in the fair value of scheme assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,534</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,127 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Return on plan assets excluding amounts included in interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,302)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">997</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">733 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,530</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,048)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,034)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(23)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Administrative costs paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(34)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(24)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,534 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The expense recognised in the income statement for the year ended 31 December comprises: </span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current service cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">180</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">213 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">206 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net interest amount</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(95)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(23)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Past service cost – plan amendments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Plan administration costs incurred during the year</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total defined benefit pension expense</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">123</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">234 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(iii) Composition of scheme assets</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unquoted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Quoted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unquoted<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity instruments</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">617 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">653 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt instruments</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed interest government bonds</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,007</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,007</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,512 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,512 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Index-linked government bonds</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,497</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,497</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,969 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,969 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,978</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,978</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,399 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,399 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,482</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,482</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,880 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,880 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pooled investment vehicles</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,730</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,863</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,593</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,192 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,346 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,538 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Money market instruments, cash, derivatives and other assets and liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,069</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9,617)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(8,548)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">319 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11,995)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11,676)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,288</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,409</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,008 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,526 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,534 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Of the total debt instruments, £20,369 million (2021: £42,568 million) were investment grade (credit ratings equal to or better than ‘BBB’).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The assets of all of the funded plans are held independently of the Group’s assets in separate trustee-administered funds.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The pension schemes’ pooled investment vehicles comprise:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity funds</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,421</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,696 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge and mutual funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">240</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,407 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Alternative credit funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,222</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,884 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,604</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,541 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Infrastructure funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,193</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,389 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liquidity funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,031 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bond and debt funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">354</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">561 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,593</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,538 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Trustee’s approach to investment is focused on acting in the members’ best financial interests, with the integration of ESG (Environmental, Social and Governance) considerations into investment management processes and practices. This policy is reviewed annually (or more frequently as required) and has been shared with the schemes’ investment managers for implementation.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Climate change is one of the risks the schemes manage given its potential financial impact on valuation of assets.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(iv) Assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The principal actuarial and financial assumptions used in valuations of the defined benefit pension schemes were as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.93</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.94 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rate of inflation:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail Price Index (RPI)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.21 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumer Price Index (CPI)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.69</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.92 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rate of salary increases</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted-average rate of increase for pensions in payment</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.84</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.88 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On 25 November 2020 the Chancellor of the Exchequer announced the outcome of a consultation into a reform of the calculation of RPI. It is now expected that from 2030 RPI will be aligned with CPIH (the Consumer Price Index including owner occupiers’ housing costs). To determine the RPI assumption a term-dependent inflation curve has been used adjusting for an assumed inflation risk premium. In the period to 2030 a gap of 100 basis points has been assumed between RPI and CPI; thereafter a 10 basis point gap has been assumed.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Men</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Women</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Years</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Years</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy for member aged 60, on the valuation date</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26.7</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27.1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28.8</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29.1</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy for member aged 60, 15 years after the valuation date</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27.8</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28.1</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30.0</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30.3</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The mortality assumptions used in the UK scheme valuations are based on standard tables published by the Institute and Faculty of Actuaries which were adjusted in line with the actual experience of the relevant schemes. The table shows that a member retiring at age 60 at 31 December 2022 is assumed to live for, on average, 26.7 years for a male and 28.8 years for a female. In practice there will be much variation between individual members but these assumptions are expected to be appropriate across all members. It is assumed that younger members will live longer in retirement than those retiring now. This reflects the expectation that mortality rates will continue to fall over time as medical science and standards of living improve. To illustrate the degree of improvement assumed, the table also shows the life expectancy for members aged 45 now, when they retire in 15 years time at age 60. The Group uses the CMI mortality projections model and in line with actuarial industry recommendations has placed no weight on 2020 and 2021 mortality experience. The persistence of excess deaths during 2022 has highlighted the potential longer term impacts of COVID-19 and the Group has applied a 4 per cent scaling factor to its base mortality tables at December 2022 to allow for this impact on member mortality. This led to a c.1 per cent reduction in the defined benefit obligation.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(v) Amount, timing and uncertainty of future cash flows</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Risk exposure of the defined benefit schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">While the Group is not exposed to any unusual, entity-specific or scheme-specific risks in its defined benefit pension schemes, it is exposed to a number of significant risks, detailed below:</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Inflation rate risk:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> The majority of the plans’ benefit obligations are linked to inflation both in deferment and once in payment. Higher inflation will lead to higher liabilities although this will be materially offset by holdings of inflation-linked gilts and, in most cases, caps on the level of inflationary increases are in place to protect against extreme inflation.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate risk:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> The defined benefit obligation is determined using a discount rate derived from yields on AA-rated corporate bonds. A decrease in corporate bond yields will increase plan liabilities although this will be materially offset by an increase in the value of bond holdings and through the use of derivatives.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Longevity risk:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> The majority of the schemes’ obligations are to provide benefits for the life of the members so increases in life expectancy will result in an increase in the plans’ liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Investment risk:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> Scheme assets are invested in a diversified portfolio of debt securities, equities and other return-seeking assets. If the assets underperform the discount rate used to calculate the defined benefit obligation, it will reduce the surplus or increase the deficit. Volatility in asset values and the discount rate will lead to volatility in the net pension asset on the Group’s balance sheet and in other comprehensive income. To a lesser extent this will also lead to volatility in the pension expense in the Group’s income statement.<br/>In addition, the schemes themselves are exposed to liquidity risk with the need to ensure that liquid assets held are sufficient to meet benefit payments as they fall due and there is sufficient collateral available to support their hedging activity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The ultimate cost of the defined benefit obligations to the Group will depend upon actual future events rather than the assumptions made. The assumptions made are unlikely to be borne out in practice and as such the cost may be higher or lower than expected.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Sensitivity analysis</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The effect of reasonably possible changes in key assumptions on the value of scheme liabilities and the resulting pension charge in the Group’s income statement and on the net defined benefit pension scheme asset, for the Group’s three most significant schemes, is set out below. The sensitivities provided assume that all other assumptions and the value of the schemes’ assets remain unchanged, and are not intended to represent changes that are at the extremes of possibility. The calculations are approximate in nature and full detailed calculations could lead to a different result. It is unlikely that isolated changes to individual assumptions will be experienced in practice. Due to the correlation of assumptions, aggregating the effects of these isolated changes may not be a reasonable estimate of the actual effect of simultaneous changes in multiple assumptions.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-bottom:1pt solid #231f20;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Effect of reasonably possible alternative assumptions</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase (decrease) in the income statement charge</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(Increase) decrease in the<br/>net defined benefit<br/>pension scheme surplus</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation (including pension increases)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase of 0.1 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">251</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">481 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Decrease of 0.1 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(245)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(475)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase of 0.1 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(25)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(24)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(379)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(774)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Decrease of 0.1 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">795 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected life expectancy of members:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase of one year</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">745</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,934 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Decrease of one year</span></div></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(39)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(42)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(762)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,852)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 At 31 December 2022, the assumed rate of RPI inflation is 3.13 per cent and CPI inflation 2.69 per cent (2021: RPI 3.21 per cent and CPI 2.92 per cent).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 At 31 December 2022, the assumed discount rate is 4.93 per cent (2021: 1.94 per cent).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Sensitivity analysis method and assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The sensitivity analysis above reflects the impact on the liabilities of the Group’s three most significant schemes which account for over 90 per cent of the Group’s defined benefit obligations. While differences in the underlying liability profiles for the remainder of the Group’s pension arrangements mean that they may exhibit slightly different sensitivities to variations in these assumptions, the sensitivities provided above are indicative of the impact across the Group as a whole.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The inflation assumption sensitivity applies to the assumed rate of increase in both the Consumer Price Index (CPI) and the Retail Price Index (RPI), and includes the impact on the rate of increases to pensions, both before and after retirement. These pension increases are linked to inflation (either CPI or RPI) subject to certain minimum and maximum limits.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The sensitivity analysis (including the inflation sensitivity) does not include the impact of any change in the rate of salary increases as pensionable salaries have been frozen since 2 April 2014.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The life expectancy assumption has been applied by allowing for an increase/decrease in life expectation from age 60 of one year, based upon the approximate weighted average age for each scheme. While this is an approximate approach and will not give the same result as a one year increase in life expectancy at every age, it provides an appropriate indication of the potential impact on the schemes from changes in life expectancy.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There was no change in the methods and assumptions used in preparing the sensitivity analysis from the prior year.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Asset-liability matching strategies</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The main schemes’ assets are invested in a diversified portfolio. Whilst c.50 per cent are held to generate the long-term returns required to support the funding position of the schemes, the remainder is invested in liability-driven investment (LDI) strategies which hedge the material risk exposures of the schemes. The investment strategy is not static and will evolve to reflect the structure of liabilities within the schemes. Specific strategies for each pension plan are independently determined by the responsible governance body for each scheme and in consultation with the employer.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A significant goal of the strategies adopted by the schemes is to reduce volatility caused by changes in market expectations of interest rates and inflation. In the main schemes, this is achieved by investing scheme assets in bonds, primarily fixed interest gilts and index linked gilts, and by entering into interest rate and inflation swap arrangements. The assets in these LDI strategies represented 48 per cent of scheme assets at 31 December 2022.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These investments are structured to take into account the profile of scheme liabilities and actively managed to reflect both changing market conditions and changes to the liability profile. At 31 December 2022 the asset-liability matching strategy mitigated around 119 per cent of the liability sensitivity to interest rate movements and around 123 per cent of the liability sensitivity to inflation movements. In addition, a small amount of interest rate sensitivity arises through holdings of corporate and other debt securities. The higher level of hedging provides greater protection to the funding position of the schemes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The schemes’ funding position remained robust and did not experience any material impact from the market volatility seen in the latter part of last year. Asset prices fell in line with the broader market and hedges fell in value as interest rates rose, and a similar impact was experienced on liability valuations which also fell in value given the portfolio was almost fully hedged. The Group’s schemes use LDI strategies to achieve this outcome and, as the hedging was maintained throughout the crisis, the strategy performed as expected. All collateral requirements in respect of the LDI strategies were met, with no support required from the Group beyond payment of scheduled contributions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On 28 January 2020, the main schemes entered into a £10 billion longevity insurance arrangement to hedge part of the schemes’ exposure to unexpected increases in life expectancy. This arrangement forms part of the schemes’ investment portfolio and will provide income to the schemes in the event that pensions are paid out for longer than expected. The transaction was structured as a pass-through with Scottish Widows as the insurer, and onwards reinsurance to Pacific Life Re Limited.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On 28 January 2022, the Lloyds Bank Pension Scheme No. 1 entered into an additional £5.5 billion longevity insurance arrangement. The transaction is structured as a pass-through with Scottish Widows as the insurer, and onwards reinsurance to SCOR SE – UK Branch.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022 the value of scheme assets included £(100) million representing the value of the longevity swaps (after allowing for the impact on the IAS 19 liabilities of the revisions to the base mortality assumptions).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In total the schemes have now hedged around 32 per cent of their longevity risk exposure.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Maturity profile of defined benefit obligation</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following table provides information on the weighted average duration of the defined benefit pension obligation and the distribution and timing of benefit payments:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Years</span></div></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Duration of the defined benefit obligation</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maturity analysis of benefits expected to be paid:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Within 12 months</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,409</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,352 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 1 and 2 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,464</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,450 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 2 and 5 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,651 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 5 and 10 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,930</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,993 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 10 and 15 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,296</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,668 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 15 and 25 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,479</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,671 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 25 and 35 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,720</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,846 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 35 and 45 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,138</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,987 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In more than 45 years</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,685</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,116 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Maturity analysis method and assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The projected benefit payments are based on the assumptions underlying the assessment of the obligations, including allowance for expected future inflation. They are shown in their undiscounted form and therefore appear large relative to the discounted assessment of the defined benefit obligations recognised in the Group’s balance sheet. They are in respect of benefits that have been accrued prior to the respective year-end date only and make no allowance for any benefits that may have been accrued subsequently.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Defined contribution schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group operates a number of defined contribution pension schemes in the UK and overseas, principally Your Tomorrow and the defined contribution sections of the Lloyds Bank Pension Scheme No. 1.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During the year ended 31 December 2022 the charge to the income statement in respect of defined contribution schemes was £330 million (2021: £302 million; 2020: £319 million), representing the contributions payable by the employer in accordance with each scheme’s rules.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other post-retirement benefit schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group operates a number of schemes which provide post-retirement healthcare benefits to certain employees, retired employees and their dependants. The principal scheme relates to former Lloyds Bank staff and under this scheme the Group has undertaken to meet the cost of post-retirement healthcare for all eligible former employees (and their dependants) who retired prior to 1 January 1996. The Group has entered into an insurance contract to provide these benefits and a provision has been made for the estimated cost of future insurance premiums payable.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For the principal post-retirement healthcare scheme, the latest actuarial valuation of the liability was carried out at 31 December 2022 by qualified independent actuaries. The principal assumptions used were as set out above, except that the rate of increase in healthcare premiums has been assumed at 6.74 per cent (2021: 6.82 per cent).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in the other post-retirement benefits obligation:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(103)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(109)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance premiums paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charge for the year</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(35)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(103)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022	ifrs-full	Disclosure Of Defined Benefit Plans Explanatory DisclosureOfDefinedBenefitPlansExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Charge to the income statement</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined benefit pension schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">123</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">234 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other post-retirement benefit schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Total defined benefit schemes</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">125</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">236 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Defined contribution pension schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">330</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">302 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">319 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total charge to the income statement (note 11)</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">455</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">538 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">566 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Analysis of the defined benefit obligation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Active members</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,088)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,837)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred members</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(8,515)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16,167)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Pensioners</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16,013)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(23,171)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dependants</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,349)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,955)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(28,965)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47,130)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The pension schemes’ pooled investment vehicles comprise:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity funds</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,421</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,696 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge and mutual funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">240</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,407 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Alternative credit funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,222</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,884 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,604</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,541 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Infrastructure funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,193</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,389 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liquidity funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,031 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bond and debt funds</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">354</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">561 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,593</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,538 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The principal actuarial and financial assumptions used in valuations of the defined benefit pension schemes were as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.93</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.94 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rate of inflation:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail Price Index (RPI)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.21 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Consumer Price Index (CPI)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.69</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.92 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Rate of salary increases</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.00</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.00 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted-average rate of increase for pensions in payment</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.84</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.88 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Men</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Women</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Years</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Years</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy for member aged 60, on the valuation date</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26.7</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27.1</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28.8</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29.1</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life expectancy for member aged 60, 15 years after the valuation date</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27.8</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28.1</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30.0</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30.3</span></td></tr></table><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-bottom:1pt solid #231f20;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Effect of reasonably possible alternative assumptions</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Increase (decrease) in the income statement charge</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">(Increase) decrease in the<br/>net defined benefit<br/>pension scheme surplus</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Inflation (including pension increases)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase of 0.1 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">251</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">481 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Decrease of 0.1 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(245)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(475)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discount rate</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase of 0.1 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(25)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(24)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(379)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(774)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Decrease of 0.1 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">795 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected life expectancy of members:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Increase of one year</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">745</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,934 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Decrease of one year</span></div></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(39)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(42)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(762)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,852)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 At 31 December 2022, the assumed rate of RPI inflation is 3.13 per cent and CPI inflation 2.69 per cent (2021: RPI 3.21 per cent and CPI 2.92 per cent).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 At 31 December 2022, the assumed discount rate is 4.93 per cent (2021: 1.94 per cent).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following table provides information on the weighted average duration of the defined benefit pension obligation and the distribution and timing of benefit payments:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Years</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Years</span></div></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Duration of the defined benefit obligation</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Maturity analysis of benefits expected to be paid:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Within 12 months</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,409</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,352 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 1 and 2 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,464</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,450 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 2 and 5 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,651 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 5 and 10 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,930</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,993 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 10 and 15 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,296</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,668 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 15 and 25 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,479</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,671 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 25 and 35 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,720</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,846 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Between 35 and 45 years</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,138</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,987 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In more than 45 years</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,685</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,116 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in the other post-retirement benefits obligation:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(103)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(109)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance premiums paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charge for the year</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(35)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(103)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022	lyg	Postemployment Benefit Expense Defined Benefit And Contribution Plans PostemploymentBenefitExpenseDefinedBenefitAndContributionPlans	455000000	gbp
CY2021	lyg	Postemployment Benefit Expense Defined Benefit And Contribution Plans PostemploymentBenefitExpenseDefinedBenefitAndContributionPlans	538000000	gbp
CY2020	lyg	Postemployment Benefit Expense Defined Benefit And Contribution Plans PostemploymentBenefitExpenseDefinedBenefitAndContributionPlans	566000000	gbp
CY2023	ifrs-full	Contributions To Plan Net Defined Benefit Liability Asset ContributionsToPlanNetDefinedBenefitLiabilityAsset	1100000000	gbp
CY2022	ifrs-full	Disclosure Of Analysis Of Present Value Of Defined Benefit Obligation That Distinguishes Nature Characteristics And Risks Explanatory DisclosureOfAnalysisOfPresentValueOfDefinedBenefitObligationThatDistinguishesNatureCharacteristicsAndRisksExplanatory	<div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Amount included in the balance sheet</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Present value of funded obligations</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(28,965)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47,130)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value of scheme assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,534 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net amount recognised in the balance sheet</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,732</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net amount recognised in the balance sheet</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,404</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,578 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net defined benefit pension charge</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(123)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(234)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Actuarial gains on defined benefit obligation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,222</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,267 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Return on plan assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,302)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,530</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,732</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,404 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Changes in the fair value of scheme assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51,534</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,127 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Return on plan assets excluding amounts included in interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,302)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">997</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">733 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Employer contributions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,530</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Benefits paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,048)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,034)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Settlements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(23)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Administrative costs paid</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(34)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(24)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,534 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	lyg	Current Liability Asset Of Defined Benefit Plans CurrentLiabilityAssetOfDefinedBenefitPlans	3732000000	gbp
CY2021Q4	lyg	Current Liability Asset Of Defined Benefit Plans CurrentLiabilityAssetOfDefinedBenefitPlans	4404000000	gbp
CY2022Q4	ifrs-full	Defined Benefit Obligation At Present Value DefinedBenefitObligationAtPresentValue	28965000000	gbp
CY2021Q4	ifrs-full	Defined Benefit Obligation At Present Value DefinedBenefitObligationAtPresentValue	47130000000	gbp
CY2022Q4	ifrs-full	Investment Funds Amount Contributed To Fair Value Of Plan Assets InvestmentFundsAmountContributedToFairValueOfPlanAssets	18593000000	gbp
CY2021Q4	ifrs-full	Investment Funds Amount Contributed To Fair Value Of Plan Assets InvestmentFundsAmountContributedToFairValueOfPlanAssets	14538000000	gbp
CY2022Q4	ifrs-full	Actuarial Assumption Of Discount Rates ActuarialAssumptionOfDiscountRates	0.0493
CY2021Q4	ifrs-full	Actuarial Assumption Of Discount Rates ActuarialAssumptionOfDiscountRates	0.0194
CY2022Q4	ifrs-full	Actuarial Assumption Of Expected Rates Of Salary Increases ActuarialAssumptionOfExpectedRatesOfSalaryIncreases	0.0000
CY2022	ifrs-full	Disclosure Of Deferred Taxes Explanatory DisclosureOfDeferredTaxesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 36: DEFERRED TAX</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s deferred tax assets and liabilities are as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:28.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Statutory position</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Tax disclosure</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,228</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,118 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,627</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,095 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(216)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(39)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,615)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,016)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Asset at 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,012</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,079 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Asset at 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,012</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,079 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The statutory position reflects the deferred tax assets and liabilities as disclosed in the consolidated balance sheet and takes into account the ability of the Group to net assets and liabilities where there is a legally enforceable right of offset. The tax disclosure of deferred tax assets and liabilities ties to the amounts outlined in the tables below which splits the deferred tax assets and liabilities by type, before such netting.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in deferred tax assets and liabilities (before taking into consideration the offsetting of balances within the same taxing jurisdiction) can be summarised as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:27.157%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.342%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.952%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:7.099%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.099%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.099%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.664%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Deferred tax assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Tax<br/>losses<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Property,<br/>plant and<br/>equipment<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Provisions<br/>£m</span></td><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Share-<br/>based<br/>payments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Pension<br/>liabilities<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Asset<br/>revaluations<br/>£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other<br/>temporary<br/>differences<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2021</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,064 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">668 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">254 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">159 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">268 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,527 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit (charge) to the income statement</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">959 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">541 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(49)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,517 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit (charge) to other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other credit to equity</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,023 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">744 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">302 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">700 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">219 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,095 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit (charge) to the income statement</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(238)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">113</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(205)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(248)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit (charge) to other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(155)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,928</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,773</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisitions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other credit to equity</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,066</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">506</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">260</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,423</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">281</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,627</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:31.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.295%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.099%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.099%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.099%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.663%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Deferred tax liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Capitalised<br/>software<br/>enhancements<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Long-term<br/>assurance<br/>business<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Acquisition<br/>fair value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Pension<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Asset</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">revaluations</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other<br/>temporary<br/>differences<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2021</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(228)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(843)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(372)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(392)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(756)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(240)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,831)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Charge) credit to the income statement</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(319)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(93)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(567)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(27)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(93)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,126)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Charge) credit to other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(846)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">814 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(29)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(61)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(275)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,162)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(352)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,331)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(509)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(56)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(331)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,016)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Charge) credit to the income statement</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">118</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">107</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(32)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(164)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit to other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">283</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">339</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisitions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(162)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,055)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(332)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,019)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(541)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(506)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,615)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Financial assets at fair value through other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022 the Group carried net deferred tax assets on its balance sheet of £5,228 million (2021: £3,118 million) principally relating to tax losses carried forward.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Estimation of income taxes includes the assessment of recoverability of deferred tax assets. Deferred tax assets are only recognised to the extent that they are considered more likely than not to be recoverable based on existing tax laws and forecasts of future taxable profits against which the underlying tax deductions can be utilised. The Group has recognised a deferred tax asset of £5,066 million (2021: £5,023 million) in respect of trading losses carried forward. Substantially all of these losses have arisen in Bank of Scotland plc and Lloyds Bank plc, and they will be utilised as taxable profits arise in those legal entities in future periods.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s expectations of future UK taxable profits require management judgement, and take into account the Group’s long-term financial and strategic plans and anticipated future tax-adjusting items. In making this assessment, account is taken of business plans, the Board-approved operating plan and the expected future economic outlook as set out in the strategic report, as well as the risks associated with future regulatory, climate-related and other change, in order to produce a base case forecast of future UK taxable profits. Under current law there is no expiry date for UK trading losses not yet utilised, and given the forecast of future profitability and the Group’s commitment to the UK market, in management’s judgement it is more likely than not that the value of the losses will be recovered by the Group while still operating as a going concern. Banking tax losses that arose before 1 April 2015 can only be used against 25 per cent of taxable profits arising after 1 April 2016, and they cannot be used to reduce the surcharge on banking profits. These restrictions in utilisation mean that the value of the deferred tax asset in respect of tax losses is only expected to be fully recovered by 2036 (2021: 2047) in the base case forecast. The rate of recovery of the Group’s tax loss asset is not a straight line, being affected by the relative profitability of the different legal entities in future periods, and the relative size of their tax losses carried forward. It is expected in the base case that 90 per cent of the value will be recovered by 2032, when Bank of Scotland plc will have utilised all of its available tax losses. It is possible that future tax law changes could materially affect the timing of recovery and the value of these losses ultimately realised by the Group.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deferred tax not recognised</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A deferred tax asset of £46 million (2021: £5 million) has been recognised in respect of the future tax benefit of certain expenses of the life assurance business. The increase is mainly due to investment market falls in 2022, which have increased the amount of unutilised expenses carried forward and expected to be offset against taxable investment returns in the medium term. The deferred tax asset not recognised in respect of the remaining expenses is £125 million (2021: £226 million), and these expenses can be carried forward indefinitely. The unrecognised deferred tax asset has decreased in 2022 mainly due to higher expected investment returns in the long term projections for the life insurance business driven by interest rate rises. This has reduced the net amount of unutilised expenses in the long term.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax assets of £156 million (2021: £167 million) have not been recognised in respect of £619 million of UK tax losses and other temporary differences which can only be used to offset future capital gains. UK capital losses can be carried forward indefinitely.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No deferred tax has been recognised in respect of foreign trade losses where it is not more likely than not that we will be able to utilise them in future periods. Of the asset not recognised, £53 million (2021: £41 million) relates to losses that will expire if not used within 20 years, and £9 million (2021: £7 million) relates to losses with no expiry date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As a result of parent company exemptions on dividends from subsidiaries and on capital gains on disposal there are no significant taxable temporary differences associated with investments in subsidiaries, branches, associates and joint arrangements.</span></div>
CY2021Q4	ifrs-full	Actuarial Assumption Of Expected Rates Of Salary Increases ActuarialAssumptionOfExpectedRatesOfSalaryIncreases	0.0000
CY2022Q4	ifrs-full	Actuarial Assumption Of Expected Rates Of Pension Increases ActuarialAssumptionOfExpectedRatesOfPensionIncreases	0.0284
CY2021Q4	ifrs-full	Actuarial Assumption Of Expected Rates Of Pension Increases ActuarialAssumptionOfExpectedRatesOfPensionIncreases	0.0288
	lyg	Basis Points Gap Between Rpi And Cpi BasisPointsGapBetweenRPIAndCPI	0.0100
CY2022	ifrs-full	Actuarial Assumption Of Retirement Age2019 ActuarialAssumptionOfRetirementAge2019	P60Y
CY2022	ifrs-full	Actuarial Assumption Of Retirement Age2019 ActuarialAssumptionOfRetirementAge2019	P60Y
CY2022	lyg	Actuarial Assumption Of Mortality Rate Scaling Percentage ActuarialAssumptionOfMortalityRateScalingPercentage	0.04
CY2022	lyg	Percentage Reduction In Defined Benefit Obligation PercentageReductionInDefinedBenefitObligation	0.01
CY2022Q4	ifrs-full	Actuarial Assumption Of Discount Rates ActuarialAssumptionOfDiscountRates	0.0493
CY2021Q4	ifrs-full	Actuarial Assumption Of Discount Rates ActuarialAssumptionOfDiscountRates	0.0194
CY2022Q4	lyg	Three Most Significant Defined Benefit Schemes Percentage Of Total Defined Benefit Obligations ThreeMostSignificantDefinedBenefitSchemesPercentageOfTotalDefinedBenefitObligations	0.90
CY2022	lyg	Share Of Scheme Assets Held To Generate Long Term Returns ShareOfSchemeAssetsHeldToGenerateLongTermReturns	0.50
CY2022Q4	lyg	Share Of Scheme Assets Invested In Bonds Fixed Interest Gilts Index Linked Gilts And Interest Rate And Inflation Swaps ShareOfSchemeAssetsInvestedInBondsFixedInterestGiltsIndexLinkedGiltsAndInterestRateAndInflationSwaps	0.48
CY2022Q4	lyg	Asset Liability Matching Strategy Liability Sensitivity To Interest Rate Movements AssetLiabilityMatchingStrategyLiabilitySensitivityToInterestRateMovements	1.19
CY2022Q4	lyg	Asset Liability Matching Strategy Liability Sensitivity To Inflation Movements AssetLiabilityMatchingStrategyLiabilitySensitivityToInflationMovements	1.23
CY2022Q1	lyg	Hedged Percent Of Defined Benefit Scheme Exposure To Increases Life Expectancy HedgedPercentOfDefinedBenefitSchemeExposureToIncreasesLifeExpectancy	0.32
CY2022	ifrs-full	Weighted Average Duration Of Defined Benefit Obligation2019 WeightedAverageDurationOfDefinedBenefitObligation2019	P15Y
CY2021	ifrs-full	Weighted Average Duration Of Defined Benefit Obligation2019 WeightedAverageDurationOfDefinedBenefitObligation2019	P17Y
CY2022Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	5228000000	gbp
CY2021Q4	ifrs-full	Deferred Tax Assets DeferredTaxAssets	3118000000	gbp
CY2022	ifrs-full	Disclosure Of Other Provisions Explanatory DisclosureOfOtherProvisionsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 37: OTHER PROVISIONS</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:57.757%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.712%"/><td style="width:0.1%"/></tr><tr><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Provisions<br/>for financial<br/>commitments<br/>and guarantees<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Regulatory<br/>and legal<br/>provisions<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2022</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">200</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,156</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">736</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,092</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions applied</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(625)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(413)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,038)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charge for the year</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">122</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">255</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">333</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">710</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">323</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">803</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">683</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,809</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Provisions for financial commitments and guarantees</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions are recognised for expected credit losses on undrawn loan commitments and financial guarantees. See also note 18.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Regulatory and legal provisions </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In the course of its business, the Group is engaged in discussions with the PRA, FCA and other UK and overseas regulators and other governmental authorities on a range of matters. The Group also receives complaints in connection with its past conduct and claims brought by or on behalf of current and former employees, customers, investors and other third parties and is subject to legal proceedings and other actions. Where significant, provisions are held against the costs expected to be incurred in relation to these matters and matters arising from related internal reviews. During the year ended 31 December 2022 the Group charged a further £255 million in respect of legal actions and other regulatory matters and the unutilised balance at 31 December 2022 was £803 million (31 December 2021: £1,156 million). The most significant items are as follows.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">HBOS Reading – review</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group continues to apply the recommendations from Sir Ross Cranston’s review, issued in December 2019, including a reassessment of direct and consequential losses by an independent panel (the Foskett Panel), an extension of debt relief and a wider definition of de facto directors. The Foskett Panel's full scope and methodology was published on 7 July 2020. The Foskett Panel’s stated objective is to consider cases via a non-legalistic and fair process and to make their decisions in a generous, fair and common sense manner, assessing claims against an expanded definition of the fraud and on a lower evidential basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Following the emergence of the first outcomes of the Foskett Panel through 2021, the Group charged a further £790 million in the year ended 31 December 2021. This included operational costs in relation to Dame Linda Dobbs's review, which is considering whether the issues relating to HBOS Reading were investigated and appropriately reported by the Group during the period from January 2009 to January 2017, and other programme costs. A significant proportion of the charge related to the estimated future awards from the Foskett Panel. The Foskett Panel had shared outcomes on a limited subset of the total population which covers a wide range of businesses and different claim characteristics. The estimated awards provision recognised at 31 December 2021 was therefore materially dependent on the assumption that the limited number of awards to date were representative of the full population of cases.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In June 2022, the Foskett Panel announced an alternative option, in the form of a fixed sum award which could be accepted as an alternative to participation in the full re-review process, to support earlier resolution of claims for those deemed by the Foskett Panel to be victims of the fraud. Around half the population have now had outcomes via this new process. Extrapolating the Group’s experience to date resulted in an increase to the provision of £50 million in the year (all in the fourth quarter). Notwithstanding the settled claims and the increase in coverage which builds confidence in the full estimated cost, uncertainties remain and the final outcome could be different from the current provision once the re-review is concluded by the Foskett Panel. There is no confirmed timeline for the completion of the Foskett Panel re-review process nor the review by Dame Linda Dobbs. The Group is committed to implementing Sir Ross's recommendations in full.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Payment protection insurance</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has incurred costs for PPI over a number of years totalling £21,960 million. The Group continues to challenge PPI litigation cases, with mainly legal fees and operational costs associated with litigation activity recognised within regulatory and legal provisions, including a charge in the fourth quarter. PPI litigation remains inherently uncertain, with a number of key court judgments due to be delivered in 2023.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Customer claims in relation to insurance branch business in Germany</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group continues to receive claims from customers in Germany relating to policies issued by Clerical Medical Investment Group Limited (subsequently renamed Scottish Widows Limited), with smaller numbers of claims received from customers in Austria and Italy. The total provision made to 31 December 2022, was £709 million (31 December 2021: £695 million) with £11 million utilisation of the provision during the year, leaving an unutilised provision at 31 December 2022 of £88 million. The ultimate financial effect, which could be significantly different from the current provision, will be known only once all relevant claims have been resolved.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Following the sale of TSB Banking Group plc, the Group raised a provision of £665 million in relation to various ongoing commitments in respect of the divestment. At 31 December 2022, a provision of £22 million remained unutilised; the Group expects the majority of the remaining provision to be utilised in the next twelve months and the provision to be fully utilised by 31 December 2024. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group carries provisions of £112 million (2021: £114 million) in respect of dilapidations, rent reviews and other property-related matters.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Provisions are also made for staff and other costs related to Group restructuring initiatives at the point at which the Group becomes committed to the expenditure; at 31 December 2022 provisions of £112 million (31 December 2021: £189 million) were held.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group carries provisions of £86 million (2021: £94 million) for indemnities and other matters relating to legacy business disposals in prior years. Whilst there remains significant uncertainty as to the timing of the utilisation of the provisions, the Group expects the majority of the remaining provisions to have been utilised by 31 December 2026.</span></div>
CY2022Q4	ifrs-full	Restructuring Provision RestructuringProvision	112000000	gbp
CY2021Q4	ifrs-full	Restructuring Provision RestructuringProvision	189000000	gbp
CY2022	ifrs-full	Disclosure Of Subordinated Liabilities Explanatory DisclosureOfSubordinatedLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 38: SUBORDINATED LIABILITIES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The movement in subordinated liabilities during the year was as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:51.608%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.538%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.544%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Preference<br/>shares<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Preferred<br/>securities<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Undated<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Dated<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January 2021</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">962 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,743 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">509 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,047 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,261 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Issued during the year</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.985% Fixed Rate Reset Dated Subordinated Tier 2 Notes due 2031</span></div><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(£500 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">500 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">500 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.369% Fixed Rate Reset Dated Subordinated Notes due 2041</span></div><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(US$1,175 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">380 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">380 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">880 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">880 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchases and redemptions during the year</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.475% Non-cumulative Preference Shares callable 2024 (£186 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.413% Non-cumulative Fixed to Floating Rate Preference Shares callable 2035 (US$750 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(182)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(182)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.657% Non-cumulative Fixed to Floating Rate Preference Shares callable 2037 (US$750 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(157)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(157)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.25% Non-cumulative Irredeemable Preference Shares (£300 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(79)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(79)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.75% Non-cumulative Irredeemable Preference Shares (£100 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.754% Non-cumulative Perpetual Preferred Securities (Class B)</span></div><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(£150 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(156)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(156)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Series 2 (US$500 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(94)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(94)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Series 3 (US$600 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(121)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Floating Rate Primary Capital Notes (US$250 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(24)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(24)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Series 1 (US$750 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(96)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(96)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.375% Subordinated Bonds 2021 (£500 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(200)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(200)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.374% Subordinated Fixed Rate Notes 2021 (€160 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(145)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(145)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6% Subordinated Notes 2033 (US$750 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(141)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(141)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(440)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(156)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(335)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(486)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,417)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange movements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(56)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(24)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements (cash and non-cash)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(49)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(600)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(592)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">488 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,661 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">174 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,785 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,108 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Issued during the year</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.953% Fixed Rate Reset Dated Subordinated notes 2033</span></div><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(US$1,000 million)</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">838</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">838</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchases and redemptions during the year</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:5.2pt;font-weight:700;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12% Fixed to Floating Rate Perpetual Tier 1 Capital Securities callable 2024 (US$2,000 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,399)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,399)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13% Sterling Step-up Perpetual Capital Securities callable 2029 (£700 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(221)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(221)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.281% Perpetual Regulatory Tier One Securities (Series B) (£150 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(22)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.881% Guaranteed Non-voting Non-cumulative Preferred Securities (£245 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12% Perpetual Subordinated Bonds (£100 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(22)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(22)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5.75% Undated Subordinated Step-up Notes (£600 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7.625% Dated Subordinated Notes 2025 (£750 million)</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(502)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(502)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,654)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(26)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(502)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,182)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange movements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">699</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">701</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other movements (cash and non-cash)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,710)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,735)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">470</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,110</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,730</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Issuances in the year generated cash inflows of £838 million (2021: £499 million); the repurchases and redemptions resulted in cash outflows of £2,216 million (2021: £1,056 million).</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other movements include cash payments in respect of interest on subordinated liabilities in the year amounted to £603 million (2021: £1,303 million) offset by the interest expense in respect of subordinated liabilities of £681 million (2021: £932 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Certain of the above securities were issued or redeemed under exchange offers, which did not result in an extinguishment of the original financial liability for accounting purposes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These securities will, in the event of the winding-up of the issuer, be subordinated to the claims of depositors and all other creditors of the issuer, other than creditors whose claims rank equally with, or are junior to, the claims of the holders of the subordinated liabilities. The subordination of specific subordinated liabilities is determined in respect of the issuer and any guarantors of that liability. The claims of holders of preference shares and preferred securities are generally junior to those of the holders of undated subordinated liabilities, which in turn are junior to the claims of holders of the dated subordinated liabilities. The Group has not had any defaults of principal or interest or other breaches with respect to its subordinated liabilities during 2022 (2021: none).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Company has in issue various classes of preference shares which are all classified as liabilities under accounting standards.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Preference shares</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.617%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.637%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.663%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="background-color:#ffffff;padding:0 1pt"/><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="background-color:#ffffff;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">% of<br/>share<br/>capital</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6% Non-Cumulative Redeemable Preference shares of GBP0.25</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">400</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.475% Non-Cumulative Preference shares of GBP0.25</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47,273,816</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.07</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.25% Non-Cumulative Irredeemable Preference shares of GBP0.25</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">252,510,147</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.37</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9.75% Non-Cumulative Irredeemable Preference shares of GBP0.25</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,630,285</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.06</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.413% Non-Cumulative Fixed/Floating Rate Callable Preference shares of USD0.25</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,990</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6.657% Non-Cumulative Fixed/Floating Rate Callable Preference shares of USD0.25</span></div></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,627</span></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div>
CY2020Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	14261000000	gbp
CY2021	lyg	Decrease Through Repurchases And Redemptions DecreaseThroughRepurchasesAndRedemptions	1417000000	gbp
CY2021	ifrs-full	Increase Decrease Through Effect Of Changes In Foreign Exchange Rates Liabilities Arising From Financing Activities IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities	-24000000	gbp
CY2021	ifrs-full	Increase Decrease Through Other Movements Financial Assets IncreaseDecreaseThroughOtherMovementsFinancialAssets	-592000000	gbp
CY2021Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	13108000000	gbp
CY2022	lyg	Decrease Through Repurchases And Redemptions DecreaseThroughRepurchasesAndRedemptions	2182000000	gbp
CY2022	ifrs-full	Increase Decrease Through Effect Of Changes In Foreign Exchange Rates Liabilities Arising From Financing Activities IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities	701000000	gbp
CY2022	ifrs-full	Increase Decrease Through Other Movements Financial Assets IncreaseDecreaseThroughOtherMovementsFinancialAssets	-1735000000	gbp
CY2022Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10730000000	gbp
CY2022	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	838000000	gbp
CY2021	ifrs-full	Proceeds From Issue Of Subordinated Liabilities ProceedsFromIssueOfSubordinatedLiabilities	499000000	gbp
CY2022	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	2216000000	gbp
CY2021	ifrs-full	Repayments Of Subordinated Liabilities RepaymentsOfSubordinatedLiabilities	1056000000	gbp
CY2022	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	603000000	gbp
CY2021	ifrs-full	Interest Paid Classified As Financing Activities InterestPaidClassifiedAsFinancingActivities	1303000000	gbp
CY2022Q4	lyg	Default Of Subordinated Liabilities DefaultOfSubordinatedLiabilities	0	gbp
CY2021Q4	lyg	Default Of Subordinated Liabilities DefaultOfSubordinatedLiabilities	0	gbp
CY2022	ifrs-full	Disclosure Of Issued Capital Explanatory DisclosureOfIssuedCapitalExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 39: SHARE CAPITAL</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Issued and fully paid ordinary share capital</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.637%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.637%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.637%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.678%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.678%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.666%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Ordinary shares of 10p (formerly 25p) each</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">% of share<br/>capital</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,022,593,135</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,839,206,060</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,052,557,838</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,102</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,084 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,005 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued under employee share schemes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">793,990,660</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183,387,075</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">786,648,222</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">80</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share buyback programme (note 41)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,528,731,591)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(453)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67,287,852,204</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,022,593,135</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,839,206,060</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,729</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">99.50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,102 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,084 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Ordinary shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As permitted by the Companies Act 2006, the Company removed references to authorised share capital from its articles of association at the annual general meeting on 5 June 2009. This change took effect from 1 October 2009. There are no restrictions on the transfer of shares in the Company other than as set out in the articles of association and:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Certain restrictions which may from time to time be imposed by law and regulations (for example, insider trading laws)</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Where directors and certain employees of the Company require the approval of the Company to deal in the Company’s shares</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Pursuant to the rules of some of the Company’s employee share plans where certain restrictions may apply while the shares are subject to the plans</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where, under an employee share plan operated by the Company, participants are the beneficial owners of shares but not the registered owners, the voting rights are normally exercised by the registered owner at the direction of the participant. Outstanding awards and options would normally vest and become exercisable on a change of control, subject to the satisfaction of any performance conditions at that time.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">All of the Company’s issued ordinary share capital is listed and none of the shares have any multiple or unequal voting rights, each share carries one vote. In addition, the Company is not aware of any agreements between shareholders that may result in restrictions on the transfer of securities and/or voting rights. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The directors have authority to allot and issue ordinary and preference shares and to make market purchases of ordinary and preference shares as granted at the annual general meeting on 12 May 2022. The authority to issue shares and the authority to make market purchases of shares will expire at the next annual general meeting. Shareholders will be asked, at the annual general meeting, to give similar authorities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subject to any rights or restrictions attached to any shares, on a show of hands at a general meeting of the Company every holder of shares present in person or by proxy and entitled to vote has one vote and on a poll every member present and entitled to vote has one vote for every share held.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The holders of ordinary shares, who held 100 per cent of the total ordinary share capital at 31 December 2022, are entitled to receive the Company’s report and accounts, attend, speak and vote at general meetings and appoint proxies to exercise voting rights. Holders of ordinary shares may also receive a dividend (subject to the provisions of the Company’s articles of association) and on a winding up may share in the assets of the Company.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Preference shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Company has in issue various classes of preference shares which are all classified as liabilities under accounting standards and which are included in note 38.</span></div>
CY2022	ifrs-full	Disclosure Of Classes Of Share Capital Explanatory DisclosureOfClassesOfShareCapitalExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:28.768%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.637%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.637%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.637%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.678%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.678%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.666%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Ordinary shares of 10p (formerly 25p) each</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">of shares</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">% of share<br/>capital</span></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,022,593,135</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,839,206,060</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,052,557,838</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,102</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,084 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,005 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Issued under employee share schemes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">793,990,660</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183,387,075</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">786,648,222</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">80</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share buyback programme (note 41)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,528,731,591)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(453)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67,287,852,204</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,022,593,135</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,839,206,060</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,729</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">99.50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,102 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,084 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022	lyg	Number Of Votes NumberOfVotes	1	vote
CY2022	lyg	Number Of Votes NumberOfVotes	1	vote
CY2022	ifrs-full	Proportion Of Voting Rights Held By Noncontrolling Interests ProportionOfVotingRightsHeldByNoncontrollingInterests	100
CY2021Q4	ifrs-full	Share Premium SharePremium	18479000000	gbp
CY2020Q4	ifrs-full	Share Premium SharePremium	17863000000	gbp
CY2019Q4	ifrs-full	Share Premium SharePremium	17751000000	gbp
CY2022	lyg	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	25000000	gbp
CY2021	lyg	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	19000000	gbp
CY2020	lyg	Stock Issued During Period Value Employee Stock Purchase Plan StockIssuedDuringPeriodValueEmployeeStockPurchasePlan	112000000	gbp
CY2022	lyg	Payments For Repurchase Of Redeemable Preferred Stock PaymentsForRepurchaseOfRedeemablePreferredStock	0	gbp
CY2021	lyg	Payments For Repurchase Of Redeemable Preferred Stock PaymentsForRepurchaseOfRedeemablePreferredStock	597000000	gbp
CY2020	lyg	Payments For Repurchase Of Redeemable Preferred Stock PaymentsForRepurchaseOfRedeemablePreferredStock	0	gbp
CY2022Q4	ifrs-full	Share Premium SharePremium	18504000000	gbp
CY2021Q4	ifrs-full	Share Premium SharePremium	18479000000	gbp
CY2020Q4	ifrs-full	Share Premium SharePremium	17863000000	gbp
CY2021	lyg	Payments For Repurchase Of Redeemable Preferred Stock PaymentsForRepurchaseOfRedeemablePreferredStock	597000000	gbp
CY2022	ifrs-full	Disclosure Of Reserves And Other Equity Interest Explanatory DisclosureOfReservesAndOtherEquityInterestExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 41: OTHER RESERVES</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:71.374%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.806%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Merger reserve</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,149</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,149 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,763 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital redemption reserve</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,932</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,479 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,462 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation reserve in respect of debt securities held at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">207 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation reserve in respect of equity shares held at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">57</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash flow hedging reserve</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,476)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(457)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,629 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #929292;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign currency translation reserve</span></td><td colspan="2" style="border-top:1pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(110)</span></td><td style="border-top:1pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(198)</span></td><td style="border-top:1pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #929292;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(159)</span></td><td style="border-top:1pt solid #929292;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,602</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,189 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,747 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The merger reserve primarily comprises the premium on shares issued in January 2009 as part of the recapitalisation of the Group and the acquisition of HBOS plc.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The capital redemption reserve represents transfers from distributable reserves in accordance with companies’ legislation upon the redemption of ordinary and preference share capital.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The revaluation reserves in respect of debt securities and equity shares held at fair value through other comprehensive income represent the cumulative after-tax unrealised change in the fair value of financial assets so classified since initial recognition; or in the case of financial assets obtained on acquisitions of businesses, since the date of acquisition.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The cash flow hedging reserve represents the cumulative after-tax gains and losses on effective cash flow hedging instruments that will be reclassified to the income statement in the periods in which the hedged item affects profit or loss.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The foreign currency translation reserve represents the cumulative after-tax gains and losses on the translation of foreign operations and exchange differences arising on financial instruments designated as hedges of the Group’s net investment in foreign operations.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in other reserves were as follows:</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Merger reserve</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,149</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,763 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,763 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redemption of preference shares (note 40)</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(614)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,149</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,149 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,763 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:7pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Capital redemption reserve</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,479</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,462 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,462 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redemption of preference shares (note 40)</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Shares cancelled under share buyback programme (see below)</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">453</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,932</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,479 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,462 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On 25 February 2022 the Group commenced a share buyback programme to repurchase outstanding ordinary shares; the Group bought back and cancelled 4,529 million shares under the programme, which completed in October 2022, for a total consideration, including expenses, of £2,013 million. Upon cancellation £453 million, being the nominal value of the shares repurchased, was transferred to the capital redemption reserve. </span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Revaluation reserve in respect of debt securities held at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">207</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in fair value</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(133)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(45)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Current tax</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(94)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement transfers in respect of disposals (note 9)</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(92)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(149)</span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(69)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(102)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment recognised in the income statement</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">207 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">99 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Revaluation reserve in respect of equity shares held at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in fair value</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(50)</span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(66)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Realised gains and losses transferred to retained profits</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">57</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(47)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash flow hedging reserve</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(457)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,629 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,504 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in fair value of hedging derivatives</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6,990)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,279)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">730 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,940</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">646 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(244)</span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,050)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,633)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">486 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net income statement transfers</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(621)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(496)</span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred tax</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">168 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">135 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(453)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(361)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5,476)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(457)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,629 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign currency translation reserve</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(198)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(159)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(176)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Currency translation differences arising in the year</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">119</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(39)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement transfers</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(31)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(110)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(198)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(159)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022Q4	ifrs-full	Other Reserves OtherReserves	6602000000	gbp
CY2021Q4	ifrs-full	Other Reserves OtherReserves	11189000000	gbp
CY2020Q4	ifrs-full	Other Reserves OtherReserves	13747000000	gbp
CY2021Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2020Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2019Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2022	lyg	Redemptions Of Other Equity Instruments Excluding Repurchase Costs RedemptionsOfOtherEquityInstrumentsExcludingRepurchaseCosts	1359000000	gbp
CY2021	lyg	Redemptions Of Other Equity Instruments Excluding Repurchase Costs RedemptionsOfOtherEquityInstrumentsExcludingRepurchaseCosts	0	gbp
CY2020	lyg	Redemptions Of Other Equity Instruments Excluding Repurchase Costs RedemptionsOfOtherEquityInstrumentsExcludingRepurchaseCosts	0	gbp
CY2022	lyg	Profit Loss Other Equity Instruments ProfitLossOtherEquityInstruments	438000000	gbp
CY2021	lyg	Profit Loss Other Equity Instruments ProfitLossOtherEquityInstruments	429000000	gbp
CY2020	lyg	Profit Loss Other Equity Instruments ProfitLossOtherEquityInstruments	453000000	gbp
CY2022	lyg	Distributions Of Profit Loss Other Equity Instruments DistributionsOfProfitLossOtherEquityInstruments	438000000	gbp
CY2021	lyg	Distributions Of Profit Loss Other Equity Instruments DistributionsOfProfitLossOtherEquityInstruments	429000000	gbp
CY2020	lyg	Distributions Of Profit Loss Other Equity Instruments DistributionsOfProfitLossOtherEquityInstruments	453000000	gbp
CY2022Q4	lyg	Other Equity Instruments OtherEquityInstruments	5297000000	gbp
CY2021Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2020Q4	lyg	Other Equity Instruments OtherEquityInstruments	5906000000	gbp
CY2022	lyg	Redemptions Of Other Equity Instruments Excluding Repurchase Costs RedemptionsOfOtherEquityInstrumentsExcludingRepurchaseCosts	1359000000	gbp
CY2022	lyg	Fully Loaded Common Equity Tier1 Ratio FullyLoadedCommonEquityTier1Ratio	0.070
CY2022	ifrs-full	Disclosure Of Dividends Explanatory DisclosureOfDividendsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 44: DIVIDENDS ON ORDINARY SHARES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The directors have recommended a final dividend, which is subject to approval by the shareholders at the annual general meeting on 18 May 2023, of 1.60 pence per ordinary share (2021: 1.33 pence per ordinary share), equivalent to £1,062 million, before the impact of any cancellations of shares under the Group’s announced buyback programme (2021: £930 million, following cancellations of shares under the Group’s 2022 buyback programme up to the record date), which will be paid on 23 May 2023. These financial statements do not reflect the recommended dividend.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividends paid during the year were as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:46.191%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">pence per</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">share</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">pence per</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">share</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">pence per</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">share</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Final dividend recommended by directors at previous year end</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.33</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.57 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">930</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">404 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interim dividend paid in the year</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.80</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.67 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">545</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">473 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.24 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,475</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">877 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The trustees of the following holdings of Lloyds Banking Group plc shares in relation to employee share schemes retain the right to receive dividends but have chosen to waive their entitlement to the dividends on those shares as indicated: the Lloyds Banking Group Share Incentive Plan (holding at 31 December 2022: 32,377,089 shares, 31 December 2021: 16,514,487 shares, waived rights to all dividends) and the Lloyds Banking Group Employee Share Ownership Trust (holding at 31 December 2022: 311,540,740 shares, 31 December 2021: 9,998,474 shares, waived rights to all dividends).</span></div>
CY2022	ifrs-full	Dividends Paid Ordinary Shares Per Share DividendsPaidOrdinarySharesPerShare	0.0213
CY2021	ifrs-full	Dividends Paid Ordinary Shares Per Share DividendsPaidOrdinarySharesPerShare	0.0124
CY2020	ifrs-full	Dividends Paid Ordinary Shares Per Share DividendsPaidOrdinarySharesPerShare	0
CY2022	ifrs-full	Dividends Paid Ordinary Shares DividendsPaidOrdinaryShares	1475000000	gbp
CY2021	ifrs-full	Dividends Paid Ordinary Shares DividendsPaidOrdinaryShares	877000000	gbp
CY2020	ifrs-full	Dividends Paid Ordinary Shares DividendsPaidOrdinaryShares	0	gbp
CY2022	ifrs-full	Disclosure Of Sharebased Payment Arrangements Explanatory DisclosureOfSharebasedPaymentArrangementsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 45: SHARE-BASED PAYMENTS</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Charge to the income statement</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The charge to the income statement is set out below:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deferred bonus plan</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">289</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">179 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Executive and SAYE plans:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Options granted in the year</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Options granted in prior years</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">75 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share plans:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Shares granted in the year</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:1pt solid #a7a9ac;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:1pt solid #a7a9ac;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Shares granted in prior years</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total charge to the income statement</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">376</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">268 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">196 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During the year ended 31 December 2022 the Group operated the following share-based payment schemes, all of which are mainly equity settled.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Group Performance Share plan</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group operates a Group Performance Share plan that is part equity settled. Bonuses in respect of employee service in 2022 have been recognised in the charge in line with the proportion of the deferral period completed.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Save-As-You-Earn schemes</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Eligible employees may enter into contracts through the Save-As-You-Earn (SAYE) schemes to save up to £500 per month and, at the expiry of a fixed term of three years, have the option to use these savings within six months of the expiry of the fixed term to acquire shares in the Group at a discounted price of no less than 90 per cent of the market price at the start of the invitation period.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in the number of share options outstanding under the SAYE schemes are set out below:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:51.022%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.615%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number<br/>of options</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Weighted<br/>average<br/>exercise price<br/>(pence)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number<br/>of options</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted<br/>average<br/>exercise price<br/>(pence)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,180,563,291</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30.63</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,120,138,915</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30.39 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">217,611,519</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39.38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">236,923,744</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39.40 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(23,359,526)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,924,434)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30.57 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Forfeited</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,961,259)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29.20</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(22,815,078)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28.78 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cancelled</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(47,687,607)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33.88</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(51,479,310)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32.57 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expired</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(49,248,343)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46.29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(95,280,546)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49.03 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,256,918,075</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31.30</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,180,563,291</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30.63 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Exercisable at 31 December</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">263,302</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47.92</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">336,561</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51.03 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The weighted average share price at the time that the options were exercised during 2022 was £0.49 (2021: £0.47). The weighted average remaining contractual life of options outstanding at the end of the year was 1.88 years (2021: 2.46 years).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The weighted average fair value of SAYE options granted during 2022 was £0.07 (2021: £0.09). The fair values of the SAYE options have been determined using a standard Black-Scholes model.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other share option plans</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Executive Share Plans - buyout and retention awards</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share options may be granted to senior employees under the Lloyds Banking Group Executive Share Plan 2003, Lloyds Banking Group Executive Group Ownership Share Plan and the Deferred Bonus Scheme 2021 specifically to facilitate recruitment (to compensate new recruits for any lost share awards), and also to make grants to key individuals for retention purposes. In some instances, grants may be made subject to individual performance conditions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Participants are not entitled to any dividends paid during the vesting period.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:51.022%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.615%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number<br/>of options</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Weighted<br/>average<br/>exercise price<br/>(pence)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number<br/>of options</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Weighted<br/>average<br/>exercise price<br/>(pence)</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,032,762</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,477,084</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,278,224</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,610,204</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,333,322)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7,110,663)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vested</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Forfeited</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(33,409)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(385,184)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lapsed</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(477,784)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(558,679)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,466,471</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,032,762</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nil</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Exercisable at 31 December</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,638,202</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">708,939</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Nil</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The weighted average fair value of options granted in the year was £0.44 (2021: £0.42). The fair values of options granted have been determined using a standard Black-Scholes model. The weighted average share price at the time that the options were exercised during 2022 was £0.46 (2021: £0.43). The weighted average remaining contractual life of options outstanding at the end of the year was 6.0 years (2021: 6.3 years).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Included in the above are awards to the Chief Financial Officer and the Group Chief Executive.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">William Chalmers joined the Group on 3 June 2019 and was appointed as Chief Financial Officer on 1 August 2019. He was granted deferred share awards over 4,086,632 shares, to replace unvested awards from his former employer, Morgan Stanley, that were forfeited as a result of him joining the Group.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:77.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.589%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">of shares</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">686,085</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,810,712</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(686,085)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,124,627)</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">686,085</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Charlie Nunn joined the Group on 16 August 2021 as Group Chief Executive. He was granted deferred share awards over 8,301,708 shares to replace unvested awards from his former employer, HSBC, that were forfeited as a result of him joining the Group.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:77.523%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.589%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">of shares</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,444,787</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,301,708</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(859,340)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(856,921)</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,585,447</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,444,787</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The weighted average fair value of awards granted in 2021 was £0.40.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other share plans</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Lloyds Banking Group Executive Group Ownership Share Plan</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The plan, introduced in 2006, is aimed at delivering shareholder value by linking the receipt of shares to an improvement in the performance of the Group over a <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOmY3ODdlMDUxMjM3ZDQzODA4MTNlYTQ4MzY2ODc3ZjBmL3NlYzpmNzg3ZTA1MTIzN2Q0MzgwODEzZWE0ODM2Njg3N2YwZl81NDEvZnJhZzo3MDcwNDFlN2QxZmE0NThkOTViYzg0MTk5MzA0NDU1Yi90ZXh0cmVnaW9uOjcwNzA0MWU3ZDFmYTQ1OGQ5NWJjODQxOTkzMDQ0NTViXzE5Mg_549dcc11-9d2d-46a6-b89a-57b8646a33ce">three</span>-year period. Awards are made within limits set by the rules of the plan, with the limits determining the maximum number of shares that can be awarded equating to three times annual salary. In exceptional circumstances this may increase to four times annual salary.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At the end of the performance period for the 2019 grant, the targets had not been fully met and therefore these awards vested in 2022 at a rate of 41.80 per cent.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:75.473%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.614%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">of shares</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">350,873,627</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">533,987,527</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vested</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(50,703,778)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(39,621,415)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Forfeited</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(98,741,356)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(144,437,243)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend award</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">966,016</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">944,758</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">202,394,509</span></td><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">350,873,627</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Awards in respect of the 2020 grant are due to vest in 2023 at a rate of 43.70 per cent. In previous years participants were entitled to any dividends paid in the vesting period. However, following a regulatory change prohibiting the payment of dividends on such awards, the number of shares awarded has been determined by applying a discount factor to the share price on award to exclude the value of estimated future dividends.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Lloyds Banking Group Long Term Share Plan</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The plan, introduced in 2021, replaced the Executive Group Ownership Share Plan and is intended to provide alignment to the Group’s aim of delivering sustainable returns to shareholders, supported by its values and behaviours.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:75.473%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.614%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">of shares</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Number</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">of shares</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Outstanding at 1 January</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77,883,068</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">108,513,202</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83,456,304</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Vested</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Forfeited</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14,448,527)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,573,236)</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Dividend award</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">–</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Outstanding at 31 December</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">171,947,743</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">77,883,068</span></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The weighted average fair value of awards granted in the year was £0.36 (2021: £0.36).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assumptions at 31 December 2022</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value calculations at 31 December 2022 for grants made in the year, using Black-Scholes models and Monte Carlo simulation, are based on the following assumptions:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:66.835%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.588%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.589%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">SAYE</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Executive<br/>Share Plans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Long Term Share Plan</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average risk-free interest rate</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4.33%</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.20%</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.01%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average expected life</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.3 years</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1.2 years</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.6 years</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average expected volatility</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average expected dividend yield</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.3%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.3%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5.3%</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average share price</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">£0.42</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">£0.47</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">£0.43</span></td><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Weighted average exercise price</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">£0.39</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Nil</span></td><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Expected volatility is a measure of the amount by which the Group’s shares are expected to fluctuate during the life of an option. The expected volatility is estimated based on the historical volatility of the closing daily share price over the most recent period that is commensurate with the expected life of the option. The historical volatility is compared to the implied volatility generated from market traded options in the Group’s shares to assess the reasonableness of the historical volatility and adjustments made where appropriate.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share Incentive Plans</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Free shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An award of shares may be made annually to employees up to a maximum of £3,600. The shares awarded are held in trust for a mandatory period of <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOmY3ODdlMDUxMjM3ZDQzODA4MTNlYTQ4MzY2ODc3ZjBmL3NlYzpmNzg3ZTA1MTIzN2Q0MzgwODEzZWE0ODM2Njg3N2YwZl81NDEvZnJhZzo3MDcwNDFlN2QxZmE0NThkOTViYzg0MTk5MzA0NDU1Yi90ZXh0cmVnaW9uOjcwNzA0MWU3ZDFmYTQ1OGQ5NWJjODQxOTkzMDQ0NTViXzMxOA_950a1ce0-5f55-4d36-89d7-f64090a45b55">three</span> years on the employee’s behalf, during which period the employee is entitled to any dividends paid on such shares. The award is subject to a non-market based condition. If an employee leaves the Group within this <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOmY3ODdlMDUxMjM3ZDQzODA4MTNlYTQ4MzY2ODc3ZjBmL3NlYzpmNzg3ZTA1MTIzN2Q0MzgwODEzZWE0ODM2Njg3N2YwZl81NDEvZnJhZzo3MDcwNDFlN2QxZmE0NThkOTViYzg0MTk5MzA0NDU1Yi90ZXh0cmVnaW9uOjcwNzA0MWU3ZDFmYTQ1OGQ5NWJjODQxOTkzMDQ0NTViXzMyNA_be9b351e-349a-441a-a603-f8e3470f40d8">three</span>-year period for other than a ‘good’ reason, all of the shares awarded will be forfeited.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No award was made in 2022.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On 25 March 2021, the Group made an award of 1,017 shares to all eligible employees. The number of shares awarded was 67,658,976, with an average fair value of £0.42 based on the market price at the date of award.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Matching shares</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group undertakes to match shares purchased by employees up to the value of £45 per month; these matching shares are held in trust for a mandatory period of three years on the employee’s behalf, during which period the employee is entitled to any dividends paid on such shares. The award is subject to a non-market based condition: if an employee leaves within this three-year period for other than a ‘good’ reason, all of the matching shares are forfeited. Similarly, if the employees sell their purchased shares within three years, their matching shares are forfeited.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The number of shares awarded relating to matching shares in 2022 was 43,378,504 (2021: 46,621,026), with an average fair value of £0.45 (2021: £0.44), based on market prices at the date of award.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="i707041e7d1fa458d95bc84199304455b_740"/><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Fixed share awards</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fixed share awards were introduced in 2014 in order to ensure that total fixed remuneration is commensurate with role and to provide a competitive reward package for certain Lloyds Banking Group employees, with an appropriate balance of fixed and variable remuneration, in line with regulatory requirements. The fixed share awards are delivered in Lloyds Banking Group plc shares, and were initially released over <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOmY3ODdlMDUxMjM3ZDQzODA4MTNlYTQ4MzY2ODc3ZjBmL3NlYzpmNzg3ZTA1MTIzN2Q0MzgwODEzZWE0ODM2Njg3N2YwZl81NDEvZnJhZzo3MDcwNDFlN2QxZmE0NThkOTViYzg0MTk5MzA0NDU1Yi90ZXh0cmVnaW9uOjcwNzA0MWU3ZDFmYTQ1OGQ5NWJjODQxOTkzMDQ0NTViXzQxMw_973d9a02-a437-404f-9081-c87911dc7845">five</span> years with 20 per cent being released each year following the year of award. From June 2020, the fixed share awards are released over three years with one third being released each year following the year of award. The number of shares purchased in relation to fixed share awards in 2022 was 7,261,080 (2021: 8,320,948) with an average fair value of £0.47 (2021: £0.45) based on market prices at the date of the award.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fixed share award is not subject to any performance conditions, performance adjustment or clawback. On an employee leaving the Group, there is no change to the timeline for which shares will become unrestricted.</span></div>
CY2022	lyg	Deferred Employee Bonus Plan Expense DeferredEmployeeBonusPlanExpense	289000000	gbp
CY2021	lyg	Deferred Employee Bonus Plan Expense DeferredEmployeeBonusPlanExpense	179000000	gbp
CY2020	lyg	Deferred Employee Bonus Plan Expense DeferredEmployeeBonusPlanExpense	81000000	gbp
CY2022	lyg	Executiveand Saye Employee Share Plans Total Expense ExecutiveandSAYEEmployeeSharePlansTotalExpense	52000000	gbp
CY2021	lyg	Executiveand Saye Employee Share Plans Total Expense ExecutiveandSAYEEmployeeSharePlansTotalExpense	47000000	gbp
CY2020	lyg	Executiveand Saye Employee Share Plans Total Expense ExecutiveandSAYEEmployeeSharePlansTotalExpense	75000000	gbp
CY2022	lyg	Other Employee Share Plans Total Expense OtherEmployeeSharePlansTotalExpense	35000000	gbp
CY2021	lyg	Other Employee Share Plans Total Expense OtherEmployeeSharePlansTotalExpense	42000000	gbp
CY2020	lyg	Other Employee Share Plans Total Expense OtherEmployeeSharePlansTotalExpense	40000000	gbp
CY2022	ifrs-full	Expense From Sharebased Payment Transactions With Employees ExpenseFromSharebasedPaymentTransactionsWithEmployees	376000000	gbp
CY2021	ifrs-full	Expense From Sharebased Payment Transactions With Employees ExpenseFromSharebasedPaymentTransactionsWithEmployees	268000000	gbp
CY2020	ifrs-full	Expense From Sharebased Payment Transactions With Employees ExpenseFromSharebasedPaymentTransactionsWithEmployees	196000000	gbp
CY2022	ifrs-full	Disclosure Of Related Party Explanatory DisclosureOfRelatedPartyExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 46: RELATED PARTY TRANSACTIONS</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Key management personnel</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Key management personnel are those persons having authority and responsibility for planning, directing and controlling the activities of an entity; the Group’s key management personnel are the members of the Lloyds Banking Group plc Group Executive Committee together with its non-executive directors.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below details, on an aggregated basis, key management personnel compensation:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Compensation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Salaries and other short-term benefits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Post-employment benefits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share-based payments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total compensation</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Aggregate contributions in respect of key management personnel to defined contribution pension schemes were £nil (2021: £nil; 2020: £nil).</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:73.424%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share option plans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted, including certain adjustments (includes entitlements of appointed key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised/lapsed (includes entitlements of former key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:73.424%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share plans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted, including certain adjustments (includes entitlements of appointed key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised/lapsed (includes entitlements of former key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(31)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(62)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(30)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The tables below detail, on an aggregated basis, balances outstanding at the year end and related income and expense, together with information relating to other transactions between the Group and its key management personnel:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advanced (includes loans to appointed key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repayments (includes loans to former key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The loans are on both a secured and unsecured basis and are expected to be settled in cash. The loans attracted interest rates of between 1.01 per cent and 30.15 per cent in 2022 (2021: 0.39 per cent and 22.93 per cent; 2020: 0.39 per cent and 24.20 per cent).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">No provisions have been recognised in respect of loans given to key management personnel (2021 and 2020: £nil).</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Placed (includes deposits of appointed key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Withdrawn (includes deposits of former key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits placed by key management personnel attracted interest rates of up to 5.0 per cent (2021: 1.0 per cent; 2020: 2.0 per cent).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group did not provide any guarantees in respect of key management personnel (2021 and 2020: none).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, transactions, arrangements and agreements entered into by the Group’s banking subsidiaries with directors and connected persons included amounts outstanding in respect of loans and credit card transactions of £2.0 thousand with two directors and no connected persons (2021: £0.9 million with two directors and one connected person; 2020: £0.6 million with four directors and two connected persons).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Subsidiaries</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In accordance with IFRS 10 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Consolidated Financial Statements</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">, transactions and balances with subsidiaries have been eliminated on consolidation.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Pension funds</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group provides banking and some investment management services to certain of its pension funds. At 31 December 2022, customer deposits of £155 million (2021: £480 million) related to the Group’s pension funds. As disclosed in note 35, the Group’s main pension funds have entered into a longevity insurance arrangement that was structured as a pass-through involving Scottish Widows.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Collective investment vehicles</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group manages 125 (2021: 145) collective investment vehicles, such as Open-Ended Investment Companies (OEICs) and of these 73 (2021: 73) are consolidated. The Group invested £196 million (2021: £427 million) and redeemed £486 million (2021: £820 million) in the unconsolidated collective investment vehicles during the year and had investments, at fair value, of £1,491 million (2021: £1,965 million) at 31 December. The Group earned fees of £80 million from the unconsolidated collective investment vehicles during 2022 (2021: £96 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="ic1e4514f9b3d4fbcb0a23d98595316da_485"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Joint ventures and associates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022 there were loans and advances to customers of £21 million (2021: £14 million) outstanding and balances within customer deposits of £58 million (2021: £22 million) relating to joint ventures and associates.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During the year the Group paid fees of £5 million (2021: £7 million) to its Schroders Personal Wealth joint venture and also made payments of £18 million (2021: £10 million) under the terms of agreements put in place on the establishment of the joint venture.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In addition to the above balances, the Group has a number of other associates held by its venture capital business that it accounts for at fair value through profit or loss. At 31 December 2022, these companies had total assets of £4,709 million (2021: £3,889 million), total liabilities of £5,557 million (2021: £4,412 million) and for the year ended 31 December 2022 had turnover of £4,196 million (2021: £3,686 million) and made a net loss of £228 million (2021: net loss of £187 million). In addition, the Group has provided £1,466 million (2021: £1,265 million) of financing to these companies on which it received £98 million (2021: £86 million) of interest income in the year.</span></div>
CY2022	ifrs-full	Disclosure Of Information About Key Management Personnel Explanatory DisclosureOfInformationAboutKeyManagementPersonnelExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below details, on an aggregated basis, key management personnel compensation:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Compensation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Salaries and other short-term benefits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Post-employment benefits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share-based payments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total compensation</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:73.424%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share option plans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted, including certain adjustments (includes entitlements of appointed key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised/lapsed (includes entitlements of former key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:73.424%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.756%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">million</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share plans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Granted, including certain adjustments (includes entitlements of appointed key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exercised/lapsed (includes entitlements of former key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(31)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(62)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(30)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The tables below detail, on an aggregated basis, balances outstanding at the year end and related income and expense, together with information relating to other transactions between the Group and its key management personnel:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Advanced (includes loans to appointed key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repayments (includes loans to former key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Deposits</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Placed (includes deposits of appointed key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Withdrawn (includes deposits of former key management personnel)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(25)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022	lyg	Salaries And Other Shortterm Benefits SalariesAndOtherShorttermBenefits	12000000	gbp
CY2021	lyg	Salaries And Other Shortterm Benefits SalariesAndOtherShorttermBenefits	10000000	gbp
CY2020	lyg	Salaries And Other Shortterm Benefits SalariesAndOtherShorttermBenefits	13000000	gbp
CY2022	ifrs-full	Key Management Personnel Compensation Postemployment Benefits KeyManagementPersonnelCompensationPostemploymentBenefits	0	gbp
CY2021	ifrs-full	Key Management Personnel Compensation Postemployment Benefits KeyManagementPersonnelCompensationPostemploymentBenefits	0	gbp
CY2020	ifrs-full	Key Management Personnel Compensation Postemployment Benefits KeyManagementPersonnelCompensationPostemploymentBenefits	0	gbp
CY2022	ifrs-full	Key Management Personnel Compensation Sharebased Payment KeyManagementPersonnelCompensationSharebasedPayment	16000000	gbp
CY2021	ifrs-full	Key Management Personnel Compensation Sharebased Payment KeyManagementPersonnelCompensationSharebasedPayment	15000000	gbp
CY2020	ifrs-full	Key Management Personnel Compensation Sharebased Payment KeyManagementPersonnelCompensationSharebasedPayment	13000000	gbp
CY2022	ifrs-full	Key Management Personnel Compensation KeyManagementPersonnelCompensation	28000000	gbp
CY2021	ifrs-full	Key Management Personnel Compensation KeyManagementPersonnelCompensation	25000000	gbp
CY2020	ifrs-full	Key Management Personnel Compensation KeyManagementPersonnelCompensation	26000000	gbp
CY2022	lyg	Number Of Investment Vehicles NumberOfInvestmentVehicles	125
CY2021	lyg	Number Of Investment Vehicles NumberOfInvestmentVehicles	145
CY2022Q4	ifrs-full	Balances On Term Deposits From Customers BalancesOnTermDepositsFromCustomers	58000000	gbp
CY2021Q4	ifrs-full	Balances On Term Deposits From Customers BalancesOnTermDepositsFromCustomers	22000000	gbp
CY2022	ifrs-full	Disclosure Of Commitments And Contingent Liabilities Explanatory DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 47: CONTINGENT LIABILITIES, COMMITMENTS AND GUARANTEES</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interchange fees</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">With respect to multi-lateral interchange fees (MIFs), the Group is not a party in the ongoing or threatened litigation which involves the card schemes Visa and Mastercard (as described below). However, the Group is a member/licensee of Visa and Mastercard and other card schemes. The litigation in question is as follows:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Litigation brought by or on behalf of retailers against both Visa and Mastercard in the English Courts, in which retailers are seeking damages on grounds that Visa and Mastercard’s MIFs breached competition law (this includes a judgment of the Supreme Court in June 2020 upholding the Court of Appeal’s finding in 2018 that certain historic interchange arrangements of Mastercard and Visa infringed competition law)</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Litigation brought on behalf of UK consumers in the English Courts against Mastercard</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Any impact on the Group of the litigation against Visa and Mastercard remains uncertain at this time, such that it is not practicable for the Group to provide an estimate of any potential financial effect. Insofar as Visa is required to pay damages to retailers for interchange fees set prior to June 2016, contractual arrangements to allocate liability have been agreed between various UK banks (including the Group) and Visa Inc, as part of Visa Inc’s acquisition of Visa Europe in 2016. These arrangements cap the maximum amount of liability to which the Group may be subject and this cap is set at the cash consideration received by the Group for the sale of its stake in Visa Europe to Visa Inc in 2016. In 2016, the Group received Visa preference shares as part of the consideration for the sale of its shares in Visa Europe. A release assessment is carried out by Visa on certain anniversaries of the sale (in line with the Visa Europe sale documentation) and as a result, some Visa preference shares may be converted into Visa Inc Class A common stock. Any such release and any subsequent sale of Visa common stock does not impact the contingent liability.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">LIBOR and other trading rates</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Certain Group companies, together with other panel banks, have been named as defendants in ongoing private lawsuits, including purported class action suits, in the US in connection with their roles as panel banks contributing to the setting of US Dollar, Japanese Yen and Sterling London Interbank Offered Rate and the Australian BBSW reference rate.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Certain Group companies are also named as defendants in (i) UK-based claims; and (ii) two Dutch class actions, raising LIBOR manipulation allegations. A number of claims against the Group in the UK relating to the alleged mis-sale of interest rate hedging products also include allegations of LIBOR manipulation.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">It is currently not possible to predict the scope and ultimate outcome on the Group of any private lawsuits or any related challenges to the interpretation or validity of any of the Group’s contractual arrangements, including their timing and scale. As such, it is not practicable to provide an estimate of any potential financial effect.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Tax authorities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has an open matter in relation to a claim for group relief of losses incurred in its former Irish banking subsidiary, which ceased trading on 31 December 2010. In 2013, HMRC informed the Group that its interpretation of the UK rules means that the group relief is not available. In 2020, HMRC concluded their enquiry into the matter and issued a closure notice. The Group’s interpretation of the UK rules has not changed and hence it has appealed to the First Tier Tax Tribunal, with a hearing expected in 2023. If the final determination of the matter by the judicial process is that HMRC’s position is correct, management estimate that this would result in an increase in current tax liabilities of approximately £875 million (including interest) and a reduction in the Group’s deferred tax asset of approximately £295 million. The Group, having taken appropriate advice, does not consider that this is a case where additional tax will ultimately fall due.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There are a number of other open matters on which the Group is in discussions with HMRC (including the tax treatment of certain costs arising from the divestment of TSB Banking Group plc), none of which is expected to have a material impact on the financial position of the Group.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Motor commission review</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Following the FCA’s Motor Market review, the Group has received a number of complaints, some of which are with the Financial Ombudsman Service, in respect of commission arrangements. It is currently not possible to predict the ultimate outcome of the complaints, including the financial impact or the scope or nature of remediation requirements, if any, or any related challenges to the interpretation or validity of any of the Group’s historical motor commission arrangements.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Other legal actions and regulatory matters</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In addition, in the course of its business the Group is subject to other complaints and threatened or actual legal proceedings (including class or group action claims) brought by or on behalf of current or former employees, customers, investors or other third parties, as well as legal and regulatory reviews, challenges, investigations and enforcement actions, which could relate to a number of issues, including financial, environmental or other regulatory matters, both in the UK and overseas. Where material, such matters are periodically reassessed, with the assistance of external professional advisers where appropriate, to determine the likelihood of the Group incurring a liability. In those instances where it is concluded that it is more likely than not that a payment will be made, a provision is established based on management’s best estimate of the amount required at the relevant balance sheet date. In some cases it will not be possible to form a view, for example because the facts are unclear or because further time is needed to assess properly the merits of the case, and no provisions are held in relation to such matters. In these circumstances, specific disclosure in relation to a contingent liability will be made where material. However, the Group does not currently expect the final outcome of any such case to have a material adverse effect on its financial position, operations or cash flows. Where there is a contingent liability related to an existing provision the relevant disclosures are included within note 37.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Contingent liabilities, commitments and guarantees arising from the banking business</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Contingent liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items serving as direct credit substitutes</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">510 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance bonds, including letters of credit, and other transaction-related contingencies</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,043 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,928</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,553 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total contingent liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,986</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,744 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The contingent liabilities of the Group arise in the normal course of its banking business and it is not practicable to quantify their future financial effect.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Commitments and guarantees</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Forward asset purchases and forward deposits placed</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undrawn formal standby facilities, credit lines and other commitments to lend:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less than 1 year original maturity:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage offers made</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,144</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,807 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments and guarantees</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79,925</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88,454 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97,069</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106,261 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 year or over original maturity</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,687</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,411 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total commitments and guarantees</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143,795</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142,733 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of the amounts shown above in respect of undrawn formal standby facilities, credit lines and other commitments to lend, £74,692 million (2021: £71,158 million) was irrevocable.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="i6881a2b008044dc39f32fbfd44f68c34_173"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Capital commitments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Excluding commitments in respect of investment property (note 26), capital expenditure contracted but not provided for at 31 December 2022 amounted to £1,663 million (2021: £1,034 million). Of this amount, £1,663 million (2021: £1,034 million) related to assets to be leased to customers under operating leases. The Group’s management is confident that future net revenues and funding will be sufficient to cover these commitments.</span></div>
CY2022	lyg	Number Of Class Actions NumberOfClassActions	2	classaction
CY2022	ifrs-full	Disclosure Of Contingent Liabilities Explanatory DisclosureOfContingentLiabilitiesExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Contingent liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items serving as direct credit substitutes</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">510 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance bonds, including letters of credit, and other transaction-related contingencies</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,043 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,928</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,553 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total contingent liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,986</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,744 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	ifrs-full	Estimated Financial Effect Of Contingent Liabilities EstimatedFinancialEffectOfContingentLiabilities	2986000000	gbp
CY2021Q4	ifrs-full	Estimated Financial Effect Of Contingent Liabilities EstimatedFinancialEffectOfContingentLiabilities	2744000000	gbp
CY2022	ifrs-full	Disclosure Of Commitments Explanatory DisclosureOfCommitmentsExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:80.305%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.687%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Commitments and guarantees</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Forward asset purchases and forward deposits placed</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Undrawn formal standby facilities, credit lines and other commitments to lend:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less than 1 year original maturity:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage offers made</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,144</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,807 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments and guarantees</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79,925</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88,454 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97,069</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106,261 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 year or over original maturity</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,687</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,411 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total commitments and guarantees</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143,795</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142,733 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	ifrs-full	Gross Loan Commitments GrossLoanCommitments	143795000000	gbp
CY2021Q4	ifrs-full	Gross Loan Commitments GrossLoanCommitments	142733000000	gbp
CY2022Q4	ifrs-full	Capital Commitments CapitalCommitments	1663000000	gbp
CY2021Q4	ifrs-full	Capital Commitments CapitalCommitments	1034000000	gbp
CY2022	lyg	Amounts Related To Assets To Be Leased Under Operating Leases Signage AmountsRelatedToAssetsToBeLeasedUnderOperatingLeasesSignage	1663000000	gbp
CY2021	lyg	Amounts Related To Assets To Be Leased Under Operating Leases Signage AmountsRelatedToAssetsToBeLeasedUnderOperatingLeasesSignage	1034000000	gbp
CY2022	ifrs-full	Disclosure Of Information About Interests In Structured Entity Explanatory DisclosureOfInformationAboutInterestsInStructuredEntityExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 48: STRUCTURED ENTITIES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s interests in structured entities are both consolidated and unconsolidated. Details of the Group’s interests in consolidated structured entities are set out in note 30 for securitisations and covered bond vehicles, note 35 for structured entities associated with the Group’s pension schemes, and below in part (A) and (B). Details of the Group’s interests in unconsolidated structured entities are included below in part (C).</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Asset-backed conduits</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In addition to the structured entities discussed in note 30, which are used for securitisation and covered bond programmes, the Group sponsors an active asset-backed conduit, Cancara, which invests in client receivables and debt securities. The total consolidated exposure of Cancara at 31 December 2022 was £2,357 million (2021: £1,745 million), comprising £1,464 million of loans and advances (2021: £889 million), £850 million of debt securities (2021: £780 million) and £43 million of financial assets at fair value through profit or loss (2021: £76 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">All lending assets and debt securities held by the Group in Cancara are restricted in use, as they are held by the collateral agent for the benefit of the commercial paper investors and the liquidity providers only. The Group provides liquidity facilities to Cancara under terms that are usual and customary for standard lending activities in the normal course of the Group’s banking activities. During 2022 there have continued to be planned drawdowns on certain liquidity facilities for balance sheet management purposes, supporting the programme to provide funding alongside the proceeds of the asset-backed commercial paper issuance. The Group could be asked to provide support under the contractual terms of these arrangements including, for example, if Cancara experienced a shortfall in external funding, which may occur in the event of market disruption.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The external assets in Cancara are consolidated in the Group’s financial statements.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(B) Consolidated collective investment vehicles and limited partnerships</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The assets of the Insurance business held in consolidated collective investment vehicles, such as Open-Ended Investment Companies and limited partnerships, are not directly available for use by the Group. However, the Group’s investment in the majority of these collective investment vehicles is readily realisable. As at 31 December 2022, the total carrying value of these consolidated collective investment vehicle assets and liabilities held by the Group was £54,749 million (2021: £60,352 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has no contractual arrangements (such as liquidity facilities) that would require it to provide financial or other support to the consolidated collective investment vehicles; the Group has not previously provided such support and has no current intentions to provide such support.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(C) Unconsolidated collective investment vehicles and limited partnerships</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s direct interests in unconsolidated structured entities comprise investments in collective investment vehicles, such as Open-Ended Investment Companies, and limited partnerships with a total carrying value of £68,913 million at 31 December 2022 (2021: £74,916 million), included within financial assets designated at fair value through profit and loss (see note 16). These investments include both those entities managed by third parties and those managed by the Group. At 31 December 2022, the total asset value of these unconsolidated structured entities, including the portion in which the Group has no interest, was £2,176 billion (2021: £2,597 billion).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Given the nature of these investments, the Group’s maximum exposure to loss is equal to the carrying value of the investment. However, the Group’s investments in these entities are primarily held to match policyholder liabilities in the Insurance division and the majority of the risk from a change in the value of the Group’s investment is matched by a change in policyholder liabilities. The collective investment vehicles are primarily financed by investments from investors in the vehicles.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During the year the Group has not provided any non-contractual financial or other support to these entities and has no current intention of providing any financial or other support. There were no transfers from/to these unconsolidated collective investment vehicles and limited partnerships.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group considers itself the sponsor of a structured entity where it is primarily involved in the design and establishment of the structured entity and further where the Group transfers assets to the structured entity, markets products associated with the structured entity in its own name and/or provides guarantees regarding the structured entity’s performance.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group sponsors a range of diverse investment funds and limited partnerships where it acts as the fund manager or equivalent decision-maker and markets the funds under one of the Group’s brands.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group earns fees from managing the investments of these funds. The investment management fees that the Group earned from these entities, including those in which the Group held no ownership interest at 31 December 2022, are reported in note 6.</span></div>
CY2022Q4	lyg	Assets And Liabilities Held In Consolidated Collective Investment Vehicles AssetsAndLiabilitiesHeldInConsolidatedCollectiveInvestmentVehicles	54749000000	gbp
CY2021Q4	lyg	Assets And Liabilities Held In Consolidated Collective Investment Vehicles AssetsAndLiabilitiesHeldInConsolidatedCollectiveInvestmentVehicles	60352000000	gbp
CY2022Q4	lyg	Assets And Liabilities Held In Unconsolidated Collective Investment Vehicles AssetsAndLiabilitiesHeldInUnconsolidatedCollectiveInvestmentVehicles	68913000000	gbp
CY2021Q4	lyg	Assets And Liabilities Held In Unconsolidated Collective Investment Vehicles AssetsAndLiabilitiesHeldInUnconsolidatedCollectiveInvestmentVehicles	74916000000	gbp
CY2022Q4	lyg	Total Asset Value Of Unconsolidated Structured Entities TotalAssetValueOfUnconsolidatedStructuredEntities	2176000000000	gbp
CY2021Q4	lyg	Total Asset Value Of Unconsolidated Structured Entities TotalAssetValueOfUnconsolidatedStructuredEntities	2597000000000	gbp
CY2022	ifrs-full	Disclosure Of Financial Instruments Explanatory DisclosureOfFinancialInstrumentsExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 49: FINANCIAL INSTRUMENTS</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1) Measurement basis of financial assets and liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The accounting policies in note 2 describe how different classes of financial instruments are measured, and how income and expenses, including fair value gains and losses, are recognised. The following table analyses the carrying amounts of the financial assets and liabilities by category and by balance sheet heading.</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:24.668%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.295%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.588%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.513%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.083%"/><td style="width:0.1%"/></tr><tr style="height:29pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivatives<br/>designated<br/>as hedging<br/>instruments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Mandatorily held at<br/>fair value through<br/>profit or loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Designated<br/>at fair value<br/>through<br/>profit or loss<br/>£m</span></td><td colspan="6" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At fair value<br/>through other<br/>comprehensive<br/>income<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Held at<br/>amortised<br/>cost<br/>£m</span></td><td colspan="6" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Insurance-<br/>related<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:29pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Held for<br/>trading<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Items in the course of collection from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">242</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">242</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,216</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">166,393</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">180,609</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reinsurance assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">616</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">616</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,894</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">166,393</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">611,952</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">616</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">841,084</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,266</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,266</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,331</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,331</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Items in course of transmission to banks</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">372</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">372</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,577</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,178</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,755</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,515</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,042</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notes in circulation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,280</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,280</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from insurance contracts and participating investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,893</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,893</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,317</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">248</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,565</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,730</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,730</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,092</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,153</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">618,711</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">107,141</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">810,624</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:24.668%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.295%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.588%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.367%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.513%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.083%"/><td style="width:0.1%"/></tr><tr style="height:29pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivatives<br/>designated<br/>as hedging<br/>instruments<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Mandatorily held at<br/>fair value through<br/>profit or loss</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Designated<br/>at fair value<br/>through<br/>profit or loss<br/>£m</span></td><td colspan="6" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At fair value<br/>through other<br/>comprehensive<br/>income<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Held at<br/>amortised<br/>cost<br/>£m</span></td><td colspan="6" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Insurance-<br/>related<br/>contracts<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr style="height:29pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Held for<br/>trading<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76,420 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76,420 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Items in the course of collection from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">147 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">147 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,760 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">185,011 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">206,771 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,965 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,051 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #a8a9ad;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #a8a9ad;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #a8a9ad;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #a8a9ad;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #a8a9ad;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #a8a9ad;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #a8a9ad;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,156 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,156 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,137 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,137 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reinsurance assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">759 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">759 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43,725 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">185,011 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,137 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">593,723 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">759 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">851,441 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Items in course of transmission to banks</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">316 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">316 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,582 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,541 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,123 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">327 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,733 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,060 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Notes in circulation</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,321 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,321 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,552 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,552 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from insurance contracts and participating investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,423 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,423 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,040 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,040 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,475 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,783 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,108 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,108 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">327 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,315 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,581 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">602,888 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,731 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">812,842 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2) Fair value measurement</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value is the price that would be received on sale of an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. It is a measure as at a specific date and may be significantly different from the amount which will actually be paid or received on maturity or settlement date.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Wherever possible, fair values have been calculated using unadjusted quoted market prices in active markets for identical instruments to those held by the Group. Where quoted market prices are not available, or are unreliable because of poor liquidity, fair values have been determined using valuation techniques which, to the extent possible, use market observable inputs, but in some cases use non-market observable inputs. Valuation techniques used include discounted cash flow analysis and pricing models and, where appropriate, comparison to instruments with characteristics similar to those of the instruments held by the Group. The Group measures valuation adjustments for its derivative exposures on the same basis as the derivatives are managed.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The carrying amount of the following financial instruments is a reasonable approximation of fair value: cash and balances at central banks, items in the course of collection from banks, items in course of transmission to banks and notes in circulation. Liabilities arising from non-participating investment contracts are carried at fair value. Fair values have not been disclosed for discretionary participating investment contracts. There is currently no agreed definition of fair valuation for discretionary participation features applied under IFRS and therefore the range of possible fair values of these contracts cannot be measured reliably.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Because a variety of estimation techniques are employed and significant estimates made, comparisons of fair values between financial institutions may not be meaningful. Readers of these financial statements are thus advised to use caution when using this data to evaluate the Group’s financial position.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Fair value information is not provided for items that are not financial instruments or for other assets and liabilities which are not carried at fair value in the Group’s consolidated balance sheet. These items include intangible assets, such as brands and acquired credit card relationships; premises and equipment; and shareholders’ equity. These items are material and accordingly the Group believes that any fair value information presented would not represent the underlying value of the Group.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Valuation control framework</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The key elements of the control framework for the valuation of financial instruments include model validation, product implementation review and independent price verification. These functions are carried out by appropriately skilled risk and finance teams, independent of the business area responsible for the products.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Model validation covers both qualitative and quantitative elements relating to new models. In respect of new products, a product implementation review is conducted pre and post-trading. Pre-trade testing ensures that the new model is integrated into the Group’s systems and that the profit and loss and risk reporting are consistent throughout the trade lifecycle. Post-trade testing examines the explanatory power of the implemented model, actively monitoring model parameters and comparing in-house pricing to external sources. Independent price verification procedures cover financial instruments carried at fair value. The frequency of the review is matched to the availability of independent data, monthly being the minimum. Valuation differences in breach of established thresholds are escalated to senior management. The results from independent pricing and valuation reserves are reviewed monthly by senior management.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Formal committees, consisting of senior risk, finance and business management, meet at least quarterly to discuss and approve valuations in more judgemental areas, in particular for unquoted equities, structured credit, over-the-counter options and the credit valuation adjustment (CVA), funding valuation adjustment (FVA) and other valuation adjustments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="i5c90354843704158ba2bdf48c591b7d1_763"/><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Valuation of financial assets and liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Assets and liabilities carried at fair value or for which fair values are disclosed have been classified into three levels according to the quality and reliability of information used to determine the fair values.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 1 fair value measurements are those derived from unadjusted quoted prices in active markets for identical assets or liabilities. Products classified as level 1 predominantly comprise listed equity shares, treasury bills and other government securities.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 2</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 2 valuations are those where quoted market prices are not available, for example where the instrument is traded in a market that is not considered to be active or valuation techniques are used to determine fair value and where these techniques use inputs that are based significantly on observable market data. Examples of such financial instruments include most over-the-counter derivatives, financial institution issued securities, certificates of deposit and certain asset-backed securities.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 3</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Level 3 portfolios are those where at least one input which could have a significant effect on the instrument’s valuation is not based on observable market data. Such instruments would include the Group’s venture capital and unlisted equity investments which are valued using various valuation techniques that require significant management judgement in determining appropriate assumptions, including earnings multiples and estimated future cash flows. Certain of the Group’s asset-backed securities, loans and advances recognised at fair value and derivatives are also classified as level 3.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers out of the level 3 portfolio arise when inputs that could have a significant impact on the instrument’s valuation become market observable after previously having been non-market observable. In the case of asset-backed securities this can arise if more than one consistent independent source of data becomes available. Conversely, transfers into the portfolio arise when consistent sources of data cease to be available.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3) Financial assets and liabilities carried at fair value</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Financial assets, excluding derivatives</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group’s financial assets carried at fair value, excluding derivatives, totalled £203,763 million (2021: £234,908 million). The table below analyses these financial assets by balance sheet classification, asset type and valuation methodology (level 1, 2 or 3, as described on page F-</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline"><a href="#i5c90354843704158ba2bdf48c591b7d1_763" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">107</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and 2 during the year.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:60.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.690%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,345</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,345</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,644</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,883</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,050</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,057</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other public sector securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,516</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,516</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bank and building society certificates of deposit</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,133</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,133</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities:</span></td><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">235</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">235</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">122</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">63</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">185</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,105</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,739</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,921</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,127</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,118</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,802</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,047</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">105,103</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,619</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,722</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">115,292</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54,013</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,304</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">180,609</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,854</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">357</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,211</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">87</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">146</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">536</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,978</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,514</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,390</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,422</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">283</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">283</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,390</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,422</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">342</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets carried at fair value, excluding derivatives</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126,682</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">65,435</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,646</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">203,763</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:60.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.690%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,170 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,170 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,575 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,793 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,368 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,668 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,680 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other public sector securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,731 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,731 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bank and building society certificates of deposit</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,297 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,297 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities:</span></td><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000000;border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">433 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">433 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">177 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">275 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,123 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,679 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,802 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,668 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,773 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,777 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,218 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">115,882 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,743 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117,625 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">133,569 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,889 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,313 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">206,771 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,613 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,613 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">644 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,490 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,134 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,257 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,490 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,817 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity shares</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,342 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,490 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">305 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,137 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets carried at fair value, excluding derivatives</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">148,911 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72,379 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,618 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">234,908 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in level 3 portfolio</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses movements in level 3 financial assets, excluding derivatives, carried at fair value (recurring measurement).</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:27.596%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.613%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.615%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial<br/>assets at fair<br/>value through<br/>profit or loss<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Financial<br/>assets at<br/>fair value<br/>through other<br/>comprehensive<br/>income<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total level 3<br/>assets carried<br/>at fair value,<br/>excluding<br/>derivatives<br/>(recurring basis)<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial<br/>assets at fair<br/>value through<br/>profit or loss<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Financial<br/>assets at<br/>fair value<br/>through other<br/>comprehensive<br/>income<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total level 3<br/>assets carried<br/>at fair value,<br/>excluding<br/>derivatives<br/>(recurring basis)<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,313</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">305</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,618</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,046 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">346 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,392 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Losses) gains recognised in the income statement within other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,609)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,611)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">183 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains recognised in other comprehensive income within the revaluation reserve in respect of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchases/increases to customer loans</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">959</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">962</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,709 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,717 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Sales/repayments of customer loans</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,320)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,331)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,765)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(107)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,872)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers into the level 3 portfolio</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">197</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">197</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">171 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers out of the level 3 portfolio</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(251)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(251)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,035)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,035)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,304</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">342</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,646</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,313 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">305 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,618 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Losses recognised in the income statement, within other income, relating to the change in fair value of those assets held at 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,596)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,596)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(71)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(71)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation methodology for financial assets, excluding derivatives</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Loans and advances to customers and banks</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value of these assets is determined using discounted cash flow techniques. The discount rates are derived from market observable interest rates, a risk margin that reflects loan credit ratings and an incremental illiquidity premium based on historical spreads at origination on similar loans.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Debt securities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities measured at fair value and classified as level 2 are valued by discounting expected cash flows using an observable credit spread applicable to the particular instrument.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where there is limited trading activity in debt securities, the Group uses valuation models, consensus pricing information from third-party pricing services and broker or lead manager quotes to determine an appropriate valuation. Debt securities are classified as level 3 if there is a significant valuation input that cannot be corroborated through market sources or where there are materially inconsistent values for an input. Asset classes classified as level 3 mainly comprise venture capital investments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Equity investments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unlisted equity and fund investments are valued using different techniques in accordance with the Group’s valuation policy and International Private Equity and Venture Capital Guidelines.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depending on the business sector and the circumstances of the investment, unlisted equity valuations are based on earnings multiples, net asset values or discounted cash flows.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">A number of earnings multiples are used in valuing the portfolio including price earnings, earnings before interest and tax and earnings before interest, tax, depreciation and amortisation. The particular multiple selected is appropriate for the size and type of business being valued and is derived by reference to the current market-based multiple. Consideration is given to the risk attributes, growth prospects and financial gearing of comparable businesses when selecting the appropriate multiple</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Discounted cash flow valuations use estimated future cash flows, usually based on management forecasts, with the application of appropriate exit yields or terminal multiples and discounted using rates appropriate to the specific investment, business sector or recent economic rates of return. Recent transactions involving the sale of similar businesses may sometimes be used as a frame of reference in deriving an appropriate multiple</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">For fund investments the most recent capital account value calculated by the fund manager is used as the basis for the valuation and adjusted, if necessary, to align valuation techniques with the Group’s valuation policy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unlisted equity investments and investments in property partnerships held in the life assurance funds are valued using third-party valuations. Management take account of any pertinent information, such as recent transactions and information received on particular investments, to adjust the third-party valuations where necessary.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(B) Financial liabilities, excluding derivatives</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group’s financial liabilities carried at fair value, excluding derivatives, comprised its financial liabilities at fair value through profit or loss and totalled £17,755 million (2021: £23,123 million). The table below analyses these financial liabilities by balance sheet classification and valuation methodology (level 1, 2 or 3, as described on page F-</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline"><a href="#i5c90354843704158ba2bdf48c591b7d1_763" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">107</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and 2 during the year.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:60.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.690%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities and other liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,133</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,178</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,037</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,037</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,505</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,540</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,505</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,072</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,577</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial liabilities carried at fair value, excluding derivatives</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,505</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,205</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,755</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,504 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,541 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,962 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,962 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,569 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,620 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,569 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,013 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,582 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial liabilities carried at fair value, excluding derivatives</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,569 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,517 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,123 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s non-participating investment contracts (see note 33) were all categorised as level 2.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in level 3 portfolio</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses movements in the level 3 financial liabilities portfolio, excluding derivatives.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains recognised in the income statement within other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Redemptions</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers out of the level 3 portfolio</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains recognised in the income statement, within other income, relating to the change in fair value of those liabilities held at 31 December</span></td><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4)</span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-bottom:1pt solid #000;border-top:1.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation methodology for financial liabilities, excluding derivatives</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Liabilities held at fair value through profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These principally comprise debt securities in issue which are classified as level 2 and their fair value is determined using techniques whose inputs are based on observable market data. The carrying amount of the securities is adjusted to reflect the effect of changes in own credit spreads and the resulting gain or loss is recognised in other comprehensive income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In the year ended 31 December 2022, the own credit adjustment arising from the fair valuation of £5,178 million (2021: £6,541 million) of the Group’s debt securities in issue designated at fair value through profit or loss resulted in a gain of £519 million (2021: loss of £86 million), before tax, recognised in other comprehensive income.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Trading liabilities in respect of securities sold under repurchase agreements</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value of these liabilities is determined using discounted cash flow techniques. The discount rates are derived from observable repurchase agreement rate curves specific to the type of security sold under the repurchase agreement.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(C) Derivatives</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">All of the Group’s derivative assets and liabilities are carried at fair value. At 31 December 2022, such assets totalled £24,753 million (2021: £22,051 million) and liabilities totalled £24,042 million (2021: £18,060 million). The table below analyses these derivative balances by valuation methodology (level 1, 2 or 3, as described on page F-</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline"><a href="#i5c90354843704158ba2bdf48c591b7d1_763" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">107</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">). The fair value measurement approach is recurring in nature. There were no significant transfers between level 1 and level 2 during the year.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:20.569%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.563%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.566%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="12" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative assets</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">78</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,122</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">553</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,114 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">893 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,051 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(39)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(23,395)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(608)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(24,042)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(62)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,054)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(944)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,060)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Movements in level 3 portfolio</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses movements in level 3 derivative assets and liabilities carried at fair value.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivative<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Derivative<br/>liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Derivative<br/>liabilities<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">893</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(944)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">981 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,374)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exchange and other adjustments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(37)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) recognised in the income statement within other income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">204</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(182)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchases (additions)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(46)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(328)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(Sales) redemptions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(21)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(116)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">462 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers out of the level 3 portfolio</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(486)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">177</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">553</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(608)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">893 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(944)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gains (losses) recognised in the income statement, within other income, relating to the change in fair value of those assets or liabilities held at 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">222</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">125</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(219)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">324 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation methodology for derivatives</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where the Group’s derivative assets and liabilities are not traded on an exchange, they are valued using valuation techniques, including discounted cash flow and options pricing models, as appropriate. The types of derivatives classified as level 2 and the valuation techniques used include:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Interest rate swaps which are valued using discounted cash flow models; the most significant inputs into those models are interest rate yield curves which are developed from publicly quoted rates</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Foreign exchange derivatives that do not contain options which are priced using rates available from publicly quoted sources</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Credit derivatives which are valued using standard models with observable inputs, except for the items classified as level 3, which are valued using publicly available yield and credit default swap (CDS) curves</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Less complex interest rate and foreign exchange option products which are valued using volatility surfaces developed from publicly available interest rate cap, interest rate swaption and other option volatilities; option volatility skew information is derived from a market standard consensus pricing service. For more complex option products, the Group calibrates its models using observable at-the-money data; where necessary, the Group adjusts for out-of-the-money positions using a market standard consensus pricing service</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Complex interest rate and foreign exchange products where inputs to the valuation are significant, material and unobservable are classified as level 3.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Where credit protection, usually in the form of credit default swaps, has been purchased or written on asset-backed securities, the security is referred to as a negative basis asset-backed security and the resulting derivative assets or liabilities have been classified as either level 2 or level 3 according to the classification of the underlying asset-backed security.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Certain unobservable inputs used to calculate CVA, FVA, and own credit adjustments, are not significant in determining the classification of the derivative and debt instruments. Consequently, these inputs do not form part of the level 3 sensitivities presented.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative valuation adjustments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments which are carried in the balance sheet at fair value are adjusted where appropriate to reflect credit risk, market liquidity and other risks.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(i) Uncollateralised derivative valuation adjustments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following table summarises the movement on this valuation adjustment account during 2021 and 2022:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">456</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">474 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(75)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">381</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">456 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Represented by:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit Valuation Adjustment</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">294</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">306 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debit Valuation Adjustment</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(55)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(26)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Funding Valuation Adjustment</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">142</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">176 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">381</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">456 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit and Debit Valuation Adjustments (CVA and DVA) are applied to the Group’s over-the-counter derivative exposures with counterparties that are not subject to strong interbank collateral arrangements. These exposures largely relate to the provision of risk management solutions for corporate customers within the Commercial Banking division.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A CVA is taken where the Group has a positive future uncollateralised exposure (asset). A DVA is taken where the Group has a negative future uncollateralised exposure (liability). These adjustments reflect interest rates and expectations of counterparty creditworthiness and the Group’s own credit spread respectively.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The CVA is sensitive to:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The current size of the mark-to-market position on the uncollateralised asset</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Expectations of future market volatility of the underlying asset</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Expectations of counterparty creditworthiness</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Market Credit Default Swap (CDS) spreads are used to develop the probability of default for quoted counterparties. For unquoted counterparties, internal credit ratings and market sector CDS curves and recovery rates are used. The loss given default (LGD) is based on market recovery rates and internal credit assessments.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The combination of a one-notch deterioration in the credit rating of derivative counterparties and a ten per cent increase in LGD increases the CVA by £73 million. Current market value is used to estimate the projected exposure for products not supported by the model, which are principally complex interest rate options that are traded in very low volumes. For these, the CVA is calculated on an add-on basis (although no such adjustment was required at 31 December 2022).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The DVA is sensitive to:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The current size of the mark-to-market position on the uncollateralised liability</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Expectations of future market volatility of the underlying liability</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The Group’s own CDS spread</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A one per cent rise in the CDS spread would lead to an increase in the DVA of £109 million.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The risk exposures that are used for the CVA and DVA calculations are strongly influenced by interest rates. Due to the nature of the Group’s business the CVA/DVA exposures tend to be on average the same way around such that the valuation adjustments fall when interest rates rise. A one per cent rise in interest rates would lead to a £51 million fall in the overall valuation adjustment to £188 million. The CVA model used by the Group does not assume any correlation between the level of interest rates and default rates.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has also recognised a Funding Valuation Adjustment to adjust for the net cost of funding uncollateralised derivative positions. This adjustment is calculated on the expected future exposure discounted at a suitable cost of funds. A ten basis points increase in the cost of funds will increase the funding valuation adjustment by £13 million.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(ii) Market liquidity</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group includes mid to bid-offer valuation adjustments against the expected cost of closing out the net market risk in the Group’s trading positions within a time frame that is consistent with historical trading activity and spreads that the trading desks have accessed historically during the ordinary course of business in normal market conditions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group’s derivative trading business held mid to bid-offer valuation adjustments of £61 million (2021: £63 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(D) Sensitivity of level 3 valuations</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:10.905%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.516%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.394%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.124%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.416%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.416%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.124%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.416%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.425%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Effect of reasonably possible<br/>alternative assumptions</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="9" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Effect of reasonably possible<br/>alternative assumptions</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation techniques</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Significant<br/>unobservable inputs</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div></td><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Favourable<br/>changes<br/>£m</span></td><td colspan="6" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Unfavourable<br/>changes<br/>£m</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-bottom:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Favourable<br/>changes<br/>£m</span></td><td colspan="6" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Unfavourable<br/>changes<br/>£m</span></td></tr><tr><td colspan="42" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at fair value through profit or loss</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate spreads (-50bps/+289bps)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,883</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">356</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(385)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,793 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">502 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(460)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit spreads (+/- 6%)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">5</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">162</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity and venture capital investments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Market approach</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Earnings multiple (1.9/15.2)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">6</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,907</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">84</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(84)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,692 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(191)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying asset/net asset value (incl. property prices)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">n/a</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">771</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">81</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(88)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">892 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(131)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unlisted equities, debt securities and property partnerships in the life funds</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying asset/net asset value (incl. property prices), broker quotes or discounted cash flows</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">n/a</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">581</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(33)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">745 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(16)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,304</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,313 </span></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="42" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lead manager or broker quote/consensus pricing</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">n/a</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Equity and venture capital investments</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Underlying asset/net asset value (incl. property prices)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">3</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">n/a</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">283</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(15)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">342</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">305 </span></td><td style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="42" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivative financial assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option pricing <br/>model</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate volatility (17%/105%)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">7</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">553</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">893 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(23)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="9" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 3 financial assets carried at fair value</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,199</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,511 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="42" style="border-top:1.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities at fair value through profit or loss</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Securitisation notes and other</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Discounted cash flows</span></td><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate spreads (+/– 50bps)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">8</span></div></td><td colspan="2" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1)</span></td><td style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span></td><td style="border-bottom:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="42" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivative financial liabilities</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate derivatives</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Option pricing model</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate volatility (17%/105%)</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">7</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">608</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">944 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="9" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level 3 financial liabilities carried at fair value</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">653</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">981 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#e7e7e8;border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Where the exposure to an unobservable input is managed on a net basis, only the net impact is shown in the table. </span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Ranges are shown where appropriate and represent the highest and lowest inputs used in the level 3 valuations.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Underlying asset/net asset values represent fair value.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 2021: -50bps/213bps</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">5 2021: +/-7%</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">6 2021: 3.5/14.9</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">7 2021: 13%/168%</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">8 2021: +/-50bps</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unobservable inputs</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Significant unobservable inputs affecting the valuation of debt securities, unlisted equity investments and derivatives are as follows:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Interest rates and inflation rates are referenced in some derivatives where the payoff that the holder of the derivative receives depends on the behaviour of those underlying references through time</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Credit spreads represent the premium above the benchmark reference instrument required to compensate for lower credit quality; higher spreads lead to a lower fair value</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Volatility parameters represent key attributes of option behaviour; higher volatilities typically denote a wider range of possible outcomes</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Earnings multiples are used to value certain unlisted equity investments. The earnings multiples used are derived from those of listed entities operating in the same sector with adjustments made for factors such as the size of the company and the quality of its earnings. The majority of the Group’s venture capital investments are valued using an estimate of the company’s maintainable earnings before interest, tax, depreciation and amortisation and in accordance with the International Private Equity and Venture Capital Valuation Guidelines. A higher earnings multiple will result in a higher fair value</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reasonably possible alternative assumptions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation techniques applied to many of the Group’s level 3 instruments often involve the use of two or more inputs whose relationship is interdependent. The calculation of the effect of reasonably possible alternative assumptions included in the table above reflects such relationships.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Debt securities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reasonably possible alternative assumptions have been determined in respect of the Group’s structured credit investments by flexing credit spreads.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Derivatives</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reasonably possible alternative assumptions have been determined in respect of swaptions in the Group’s derivative portfolios which are priced using industry standard option pricing models. Such models require interest rate volatilities which may be unobservable at longer maturities. To derive reasonably possible alternative valuations these volatilities have been flexed within a range of 17 per cent to 105 per cent (2021: 13 per cent to 168 per cent).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Unlisted equity, venture capital investments and investments in property partnerships</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The valuation techniques used for unlisted equity and venture capital investments vary depending on the nature of the investment. Reasonably possible alternative valuations for these investments have been calculated by reference to the approach taken, as appropriate to the business sector and investment circumstances and as such the following inputs have been considered:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">For valuations derived from earnings multiples, consideration is given to the risk attributes, growth prospects and financial gearing of comparable businesses when selecting an appropriate multiple</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The discount rates used in discounted cash flow valuations</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">In line with International Private Equity and Venture Capital Guidelines, the values of underlying investments in fund investment portfolios</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4) Financial assets and liabilities carried at amortised cost</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Financial assets</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses the fair values of those financial assets of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on page F-</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline"><a href="#i5c90354843704158ba2bdf48c591b7d1_763" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">107</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">). Financial assets carried at amortised cost are mainly classified as level 3 due to significant unobservable inputs used in the valuation models. Where inputs are observable, debt securities are classified as level 1 or 2.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">380,291</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">376,056</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">376,056</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59,356</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,672</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,672</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,883</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,974</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,974</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchased or originated credit-impaired</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,369</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,369</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,369</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">450,071</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">450,071</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,930</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">167</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,647</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">515,498</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">167</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54,512</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">460,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,997 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,997 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">399,121 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">401,537 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">401,537 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,817 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,617 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,617 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,862 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,851 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,851 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchased or originated credit-impaired</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,767 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,767 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,767 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">451,772 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">451,772 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,876 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,739 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,156 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">520,398 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,492 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">458,906 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation methodology</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Loans and advances to banks</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The carrying value of short-dated loans and advances to banks is assumed to be their fair value. The fair value of other loans and advances to banks is estimated by discounting the anticipated cash flows at a market discount rate adjusted for the credit spread of the obligor or, where not observable, the credit spread of borrowers of similar credit quality.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Loans and advances to customers</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group provides loans and advances to commercial, corporate and personal customers at both fixed and variable rates. Due to their short-term nature, the carrying value of variable rate loans and balances relating to lease financing is assumed to be their fair value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">To determine the fair value of loans and advances to customers, loans are segregated into portfolios of similar characteristics. A number of techniques are used to estimate the fair value of fixed rate lending; these take account of expected credit losses based on historic trends, prevailing market interest rates and expected future cash flows. For retail exposures, fair value is usually estimated by discounting anticipated cash flows (including interest at contractual rates) at market rates for similar loans offered by the Group and other financial institutions. Certain loans secured on residential properties are made at a fixed rate for a limited period, typically <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOmY3ODdlMDUxMjM3ZDQzODA4MTNlYTQ4MzY2ODc3ZjBmL3NlYzpmNzg3ZTA1MTIzN2Q0MzgwODEzZWE0ODM2Njg3N2YwZl81NTYvZnJhZzo1YzkwMzU0ODQzNzA0MTU4YmEyYmRmNDhjNTkxYjdkMS90ZXh0cmVnaW9uOjVjOTAzNTQ4NDM3MDQxNThiYTJiZGY0OGM1OTFiN2QxXzY3MQ_4740da16-f9db-45ba-8475-6aad723a5599">two</span> to <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOmY3ODdlMDUxMjM3ZDQzODA4MTNlYTQ4MzY2ODc3ZjBmL3NlYzpmNzg3ZTA1MTIzN2Q0MzgwODEzZWE0ODM2Njg3N2YwZl81NTYvZnJhZzo1YzkwMzU0ODQzNzA0MTU4YmEyYmRmNDhjNTkxYjdkMS90ZXh0cmVnaW9uOjVjOTAzNTQ4NDM3MDQxNThiYTJiZGY0OGM1OTFiN2QxXzY3NQ_cd013a07-a8bd-40bc-b24f-a332ae7599e8">five</span> years, after which the loans revert to the relevant variable rate. The fair value of such loans is estimated by reference to market rates for similar loans of maturity equal to the remaining fixed interest rate period. The fair value of commercial loans is estimated by discounting anticipated cash flows at a rate which reflects the effects of interest rate changes, adjusted for changes in credit risk.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reverse repurchase agreements</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The carrying amount is deemed a reasonable approximation of fair value given the short-term nature of these instruments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Debt securities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair values of debt securities are determined predominantly from lead manager quotes and, where these are not available, by alternative techniques including reference to credit spreads on similar assets with the same obligor, market standard consensus pricing services, broker quotes and other research data.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(B) Financial liabilities</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation hierarchy</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses the fair values of those financial liabilities of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on page F-</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline"><a href="#i5c90354843704158ba2bdf48c591b7d1_763" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">107</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">).</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:48.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.714%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,266</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,268</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,268</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,331</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,730</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,065</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,065</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,506 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,506 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,552 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,665 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,665 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,108 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,804 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,804 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Valuation methodology</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Deposits from banks and customer deposits</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value of bank and customer deposits repayable on demand is assumed to be equal to their carrying value.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value for all other deposits is estimated using discounted cash flows applying either market rates, where applicable, or current rates for deposits of similar remaining maturities.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Repurchase agreements</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The carrying amount is deemed a reasonable approximation of fair value given the short-term nature of these instruments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Debt securities in issue</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value of short-term debt securities in issue is approximately equal to their carrying value. Fair value for other debt securities in issue is calculated based on quoted market prices where available. Where quoted market prices are not available, fair value is estimated using discounted cash flow techniques at a rate which reflects market rates of interest and the Group’s own credit spread.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Subordinated liabilities</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value of subordinated liabilities is determined by reference to quoted market prices where available or by reference to quoted market prices of similar instruments. Subordinated liabilities are classified as level 2, since the inputs used to determine their fair value are largely observable.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(5) Reclassifications of financial assets</span></div>There have been no reclassifications of financial assets in 2021 or 2022
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2022Q4	ifrs-full	Items In Course Of Collection From Other Banks ItemsInCourseOfCollectionFromOtherBanks	242000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	180609000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2022Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	44865000000	gbp
CY2022Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	520322000000	gbp
CY2022Q4	ifrs-full	Reinsurance Assets ReinsuranceAssets	616000000	gbp
CY2022Q4	ifrs-full	Financial Assets FinancialAssets	841084000000	gbp
CY2022Q4	lyg	Deposits From Banks And Repurchase Agreements DepositsFromBanksAndRepurchaseAgreements	7266000000	gbp
CY2022Q4	lyg	Deposits From Customers And Repurchase Agreements DepositsFromCustomersAndRepurchaseAgreements	475331000000	gbp
CY2022Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	48596000000	gbp
CY2022Q4	ifrs-full	Items In Course Of Transmission To Other Banks ItemsInCourseOfTransmissionToOtherBanks	372000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2022Q4	lyg	Notes In Circulation NotesInCirculation	1280000000	gbp
CY2022Q4	ifrs-full	Debt Securities DebtSecurities	73819000000	gbp
CY2022Q4	ifrs-full	Investment Contracts Liabilities InvestmentContractsLiabilities	42975000000	gbp
CY2022Q4	ifrs-full	Other Financial Liabilities OtherFinancialLiabilities	1565000000	gbp
CY2022Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	10730000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities FinancialLiabilities	810624000000	gbp
CY2021Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	76420000000	gbp
CY2021Q4	ifrs-full	Items In Course Of Collection From Other Banks ItemsInCourseOfCollectionFromOtherBanks	147000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Fair Value Through Profit Or Loss FinancialAssetsAtFairValueThroughProfitOrLoss	206771000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22051000000	gbp
CY2021Q4	ifrs-full	Loans And Advances To Banks LoansAndAdvancesToBanks	7001000000	gbp
CY2021Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	448567000000	gbp
CY2021Q4	ifrs-full	Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed	54753000000	gbp
CY2021Q4	ifrs-full	Debt Instruments Held DebtInstrumentsHeld	6835000000	gbp
CY2021Q4	ifrs-full	Financial Assets At Amortised Cost FinancialAssetsAtAmortisedCost	517156000000	gbp
CY2021Q4	ifrs-full	Reinsurance Assets ReinsuranceAssets	759000000	gbp
CY2021Q4	ifrs-full	Financial Assets FinancialAssets	851441000000	gbp
CY2021Q4	lyg	Deposits From Banks And Repurchase Agreements DepositsFromBanksAndRepurchaseAgreements	7647000000	gbp
CY2021Q4	lyg	Deposits From Customers And Repurchase Agreements DepositsFromCustomersAndRepurchaseAgreements	476344000000	gbp
CY2021Q4	ifrs-full	Repurchase Agreements And Cash Collateral On Securities Lent RepurchaseAgreementsAndCashCollateralOnSecuritiesLent	31125000000	gbp
CY2021Q4	ifrs-full	Items In Course Of Transmission To Other Banks ItemsInCourseOfTransmissionToOtherBanks	316000000	gbp
CY2021Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	23123000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	18060000000	gbp
CY2021Q4	lyg	Notes In Circulation NotesInCirculation	1321000000	gbp
CY2021Q4	ifrs-full	Debt Securities DebtSecurities	71552000000	gbp
CY2021Q4	ifrs-full	Investment Contracts Liabilities InvestmentContractsLiabilities	45040000000	gbp
CY2021Q4	ifrs-full	Other Financial Liabilities OtherFinancialLiabilities	1783000000	gbp
CY2021Q4	ifrs-full	Subordinated Liabilities SubordinatedLiabilities	13108000000	gbp
CY2021Q4	ifrs-full	Financial Liabilities FinancialLiabilities	812842000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2021Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	23123000000	gbp
CY2022	ifrs-full	Disclosure Of Financial Liabilities Explanatory DisclosureOfFinancialLiabilitiesExplanatory	<table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:60.686%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.690%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities and other liabilities designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,133</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,178</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,037</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,037</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,505</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,540</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,505</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,072</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,577</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial liabilities carried at fair value, excluding derivatives</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,505</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,205</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,755</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue designated at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,504 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,541 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading liabilities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities in respect of securities sold under repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,962 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,962 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Short positions in securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,569 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,620 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,569 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,013 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,582 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial liabilities carried at fair value, excluding derivatives</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,569 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,517 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,123 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	lyg	Financial Liabilities At Fair Value Through Profit Or Loss Not Classified As Held For Trading FinancialLiabilitiesAtFairValueThroughProfitOrLossNotClassifiedAsHeldForTrading	5178000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	12577000000	gbp
CY2022Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	17755000000	gbp
CY2021Q4	lyg	Financial Liabilities At Fair Value Through Profit Or Loss Not Classified As Held For Trading FinancialLiabilitiesAtFairValueThroughProfitOrLossNotClassifiedAsHeldForTrading	6541000000	gbp
CY2021Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading	16582000000	gbp
CY2021Q4	ifrs-full	Financial Liabilities At Fair Value Through Profit Or Loss FinancialLiabilitiesAtFairValueThroughProfitOrLoss	23123000000	gbp
CY2022Q4	lyg	Financial Liabilities At Fair Value Through Profit Or Loss Not Classified As Held For Trading FinancialLiabilitiesAtFairValueThroughProfitOrLossNotClassifiedAsHeldForTrading	5178000000	gbp
CY2021Q4	lyg	Financial Liabilities At Fair Value Through Profit Or Loss Not Classified As Held For Trading FinancialLiabilitiesAtFairValueThroughProfitOrLossNotClassifiedAsHeldForTrading	6541000000	gbp
CY2022	lyg	Gains Losses Attributable To Own Credit Risk Before Tax GainsLossesAttributableToOwnCreditRiskBeforeTax	519000000	gbp
CY2021	lyg	Gains Losses Attributable To Own Credit Risk Before Tax GainsLossesAttributableToOwnCreditRiskBeforeTax	-86000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22051000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	18060000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22051000000	gbp
CY2022	ifrs-full	Adjustments For Gains Losses On Change In Fair Value Of Derivatives AdjustmentsForGainsLossesOnChangeInFairValueOfDerivatives	61000000	gbp
CY2022Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	24042000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Liabilities DerivativeFinancialLiabilities	18060000000	gbp
CY2022	ifrs-full	Disclosure Of Significant Adjustments To Valuation Obtained Explanatory DisclosureOfSignificantAdjustmentsToValuationObtainedExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following table summarises the movement on this valuation adjustment account during 2021 and 2022:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 1 January</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">456</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">474 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Income statement credit</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(75)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">381</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">456 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2021Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	456000000	gbp
CY2020Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	474000000	gbp
CY2022	lyg	Total Derivative Valuation Adjustment Income Statement Chargecredit TotalDerivativeValuationAdjustmentIncomeStatementChargecredit	-75000000	gbp
CY2021	lyg	Total Derivative Valuation Adjustment Income Statement Chargecredit TotalDerivativeValuationAdjustmentIncomeStatementChargecredit	-18000000	gbp
CY2022Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	381000000	gbp
CY2021Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	456000000	gbp
CY2022Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	381000000	gbp
CY2021Q4	lyg	Total Derivative Valuation Adjustment TotalDerivativeValuationAdjustment	456000000	gbp
CY2022	lyg	Debt Instrument Interest Rate Increase Decrease DebtInstrumentInterestRateIncreaseDecrease	0.01
CY2021	ifrs-full	Adjustments For Gains Losses On Change In Fair Value Of Derivatives AdjustmentsForGainsLossesOnChangeInFairValueOfDerivatives	63000000	gbp
CY2022	ifrs-full	Disclosure Of Fair Value Measurement Of Assets Explanatory DisclosureOfFairValueMeasurementOfAssetsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses the fair values of those financial assets of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on page F-</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline"><a href="#i5c90354843704158ba2bdf48c591b7d1_763" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">107</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">). Financial assets carried at amortised cost are mainly classified as level 3 due to significant unobservable inputs used in the valuation models. Where inputs are observable, debt securities are classified as level 1 or 2.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">380,291</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">376,056</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">376,056</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59,356</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,672</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58,672</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,883</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,974</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,974</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchased or originated credit-impaired</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,369</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,369</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,369</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">450,071</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">450,071</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,930</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">167</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,647</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">116</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">515,498</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">167</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54,512</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">460,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:50.876%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.692%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,997 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,997 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">399,121 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">401,537 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">401,537 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,817 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,617 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,617 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,862 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,851 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,851 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Purchased or originated credit-impaired</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,767 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,767 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,767 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">451,772 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">451,772 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,876 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,739 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,156 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">520,398 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61,492 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">458,906 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022	ifrs-full	Disclosure Of Fair Value Measurement Of Liabilities Explanatory DisclosureOfFairValueMeasurementOfLiabilitiesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses the fair values of those financial liabilities of the Group which are carried at amortised cost by valuation methodology (level 1, 2 or 3, as described on page F-</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline"><a href="#i5c90354843704158ba2bdf48c591b7d1_763" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:underline">107</a></span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">).</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:48.826%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.714%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value<br/>£m</span></td><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Fair<br/>value<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Valuation hierarchy</span></td></tr><tr style="height:20pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Level 3<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,266</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,268</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,268</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,331</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">71,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,730</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,065</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,065</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,506 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,506 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,552 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,665 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,665 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,108 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,804 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,804 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022	ifrs-full	Disclosure Of Financial Assets Transferred During Period Which Do Not Qualify For Derecognition Explanatory DisclosureOfFinancialAssetsTransferredDuringPeriodWhichDoNotQualifyForDerecognitionExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 50: TRANSFERS OF FINANCIAL ASSETS</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There were no significant transferred financial assets which were derecognised in their entirety, but with ongoing exposure. Details of transferred financial assets that continue to be recognised in full are as follows.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group enters into repurchase and securities lending transactions in the normal course of business that do not result in derecognition of the financial assets as substantially all of the risks and rewards, including credit, interest rate, prepayment and other price risks are retained by the Group. In all cases, the transferee has the right to sell or repledge the assets concerned.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As set out in note 30, included within financial assets measured at amortised cost are loans transferred under the Group’s securitisation and covered bond programmes. As the Group retains all or a majority of the risks and rewards associated with these loans, including credit, interest rate, prepayment and liquidity risk, they remain on the Group’s balance sheet. Assets transferred into the Group’s securitisation and covered bond programmes are not available to be used by the Group while the assets are within the programmes. However, the Group retains the right to remove loans from the covered bond programmes where they are in excess of the programme’s requirements. In addition, where the Group has retained some of the notes issued by securitisation and covered bond programmes, the Group has the ability to sell or pledge these retained notes.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below sets out the carrying values of the transferred assets and the associated liabilities. For repurchase and securities lending transactions, the associated liabilities represent the Group’s obligation to repurchase the transferred assets. For securitisation programmes, the associated liabilities represent the external notes in issue (note 30). The liabilities shown in the table below have recourse to the transferred assets.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value of<br/>transferred<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Carrying<br/>value of<br/>associated<br/>liabilities<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Carrying<br/>value of<br/>transferred<br/>assets<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Carrying<br/>value of<br/>associated<br/>liabilities<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchase and securities lending transactions</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,370</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,483</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,345 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,030 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,803</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,990</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,085 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,244 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Securitisation programmes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29,384</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,806</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,406 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,705 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The carrying value of associated liabilities excludes securitisation notes held by the Group of £22,343 million (31 December 2021: £24,010 million).</span></div>
CY2022	ifrs-full	Disclosure Of Offsetting Of Financial Assets And Financial Liabilities Explanatory DisclosureOfOffsettingOfFinancialAssetsAndFinancialLiabilitiesExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 51: OFFSETTING OF FINANCIAL ASSETS AND LIABILITIES</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following information relates to financial assets and liabilities which have been offset in the balance sheet and those which have not been offset but for which the Group has enforceable master netting agreements or collateral arrangements in place with counterparties.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:37.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.277%"/><td style="width:0.1%"/></tr><tr style="height:29pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Related amounts where <br/>set off in the balance<br/>sheet not permitted</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Potential<br/>net amounts<br/>if offset<br/>of related<br/>amounts<br/>permitted<br/>£m</span></td></tr><tr style="height:45pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">amounts of </span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">assets and</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">liabilities</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Amount </span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">offset in </span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">the balance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">sheet</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net amounts<br/>presented in<br/>the balance<br/>sheet<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Cash<br/>collateral<br/>received/<br/>pledged<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Non-cash<br/>collateral<br/>received/<br/>pledged<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Excluding reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">168,828</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">168,828</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,127)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">167,701</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,064</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,283)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(87)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,694)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">200,892</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,283)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">180,609</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(87)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12,821)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">167,701</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">76,437</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(51,684)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,951)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(15,839)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,963</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,823)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,809</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">458,229</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,330)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(907)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,171)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">451,821</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55,675</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(10,810)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(44,865)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">534,462</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14,140)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,730)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(47,036)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">469,556</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(6,202)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,952</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,266</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,266</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,169)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,097</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">476,255</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(924)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,331</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,869)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,171)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">471,291</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59,406</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(10,810)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(48,596)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Excluding repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,718</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,718</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,718</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,320</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,283)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,037</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,037)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,038</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,283)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,755</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(11,037)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,718</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">78,132</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(54,090)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,042</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,731)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14,490)</span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,821</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master netting agreements. The Group holds and provides cash and securities collateral in respective of derivative transactions covered by these agreements. The right to set off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, these arrangements do not qualify for offsetting under IAS 32.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of impairment allowances.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The amounts offset in the balance sheet as shown above mainly represent derivatives and repurchase agreements with central clearing houses which meet the criteria for offsetting under IAS 32.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The effects of over-collateralisation have not been taken into account in the above table.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:37.553%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.270%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.277%"/><td style="width:0.1%"/></tr><tr style="height:29pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Related amounts where <br/>set off in the balance<br/>sheet not permitted</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Potential<br/>net amounts<br/>if offset<br/>of related<br/>amounts<br/>permitted<br/>£m</span></td></tr><tr style="height:45pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">amounts of </span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">assets and</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">liabilities</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Amount </span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">offset in </span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">the balance</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">sheet</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">3</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="6" style="padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net amounts<br/>presented in<br/>the balance<br/>sheet<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Cash<br/>collateral<br/>received/<br/>pledged<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Non-cash<br/>collateral<br/>received/<br/>pledged<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Excluding reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191,850 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191,850 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,456)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">189,394 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,834 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,913)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,921 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(20)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,901)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">225,684 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,913)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">206,771 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(20)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,357)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">189,394 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50,205 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28,154)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,051 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,658)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(12,645)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,748 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,731)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,270 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">449,732 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,165)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(798)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,506)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">446,263 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64,474 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,721)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(54,753)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(267)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,568 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">528,042 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,886)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,156 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,529)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(56,526)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">458,101 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,137 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,137 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(4,981)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,156 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,678)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,969 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">477,509 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,165)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,344 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,506)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">474,838 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,846 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,721)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(31,125)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Excluding repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,161 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,161 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,161 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,875 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,913)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,962 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,962)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,036 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(18,913)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,123 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(14,962)</span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,161 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46,214 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(28,154)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,060 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,529)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15,063)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">468 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 The Group enters into derivatives and repurchase and reverse repurchase agreements with various counterparties which are governed by industry standard master netting agreements. The Group holds and provides cash and securities collateral in respective of derivative transactions covered by these agreements. The right to set off balances under these master netting agreements or to set off cash and securities collateral only arises in the event of non-payment or default and, as a result, these arrangements do not qualify for offsetting under IAS 32.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Net of impairment allowances.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 The amounts offset in the balance sheet as shown above mainly represent derivatives and repurchase agreements with central clearing houses which meet the criteria for offsetting under IAS 32.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The effects of over-collateralisation have not been taken into account in the above table.</span></div>
CY2022	ifrs-full	Disclosure Of Financial Risk Management Explanatory DisclosureOfFinancialRiskManagementExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 52: FINANCIAL RISK MANAGEMENT</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As a bancassurer, financial instruments are fundamental to the Group’s activities and, as a consequence, the risks associated with financial instruments represent a significant component of the risks faced by the Group.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The primary risks affecting the Group through its use of financial instruments are: market risk, which includes interest rate risk and foreign exchange risk; credit risk; liquidity risk; capital risk; and insurance risk. The following disclosures provide quantitative and qualitative information about the Group’s exposure to these risks.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Market risk</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Interest rate risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate risk arises from the different repricing characteristics of the Group’s assets and liabilities. Liabilities are generally either insensitive to interest rate movements, for example interest free or very low interest customer deposits, or are sensitive to interest rate changes but bear rates which may be varied at the Group’s discretion and that for competitive reasons generally reflect changes in the UK Bank Rate, set by the Bank of England. The rates on the remaining liabilities are contractually fixed for their term to maturity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Many banking assets are sensitive to interest rate movements; there is a large volume of managed rate assets such as variable rate mortgages which may be considered as a natural offset to the interest rate risk arising from the managed rate liabilities. However, a significant proportion of the Group’s lending assets, for example many personal loans and mortgages, bear interest rates which are contractually fixed. Interest rate sensitivity analysis relating to the Group’s Banking activities is set out in the tables marked audited on page <a href="#i3bd5112235c4436ea8860eca12ce4651_5493" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none">93</a>.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s risk management policy is to optimise reward while managing its market risk exposures within the risk appetite defined by the Board. The largest residual risk exposure arises from balances that are deemed to be insensitive to changes in market rates (including current accounts, a portion of variable rate deposits and investable equity), and is managed through the Group’s structural hedge. The structural hedge consists of longer-term fixed rate assets or interest rate swaps and the amount and duration of the hedging activity is reviewed regularly by the Group Asset and Liability Committee.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group establishes hedge accounting relationships for interest rate risk components using cash flow hedges and fair value hedges. The Group is exposed to cash flow interest rate risk on its variable rate loans and deposits together with its floating rate subordinated debt. The derivatives used to manage the structural hedge may be designated into cash flow hedges to manage income statement volatility. The economic items related to the structural hedge, for example current accounts, are not eligible hedged items under IAS 39 for inclusion into accounting hedge relationships. The Group is exposed to fair value interest rate risk on its fixed rate customer loans, its fixed rate customer deposits and the majority of its subordinated debt, and to cash flow interest rate risk on its variable rate loans and deposits together with its floating rate subordinated debt. The Group applies netting between similar risks before applying hedge accounting.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedge ineffectiveness arises during the management of interest rate risk due to residual unhedged risk. Sources of ineffectiveness, which the Group may decide to not fully mitigate, can include basis differences, timing differences and notional amount differences. The effectiveness of accounting hedge relationships is assessed between the hedging derivatives and the documented hedged item, which can differ to the underlying economically hedged item.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022 the aggregate notional principal of interest rate and other swaps (predominantly interest rate) designated as fair value hedges was £152,662 million (2021: £172,695 million) with a net fair value liability of £493 million (2021: liability of £262 million) (note 17). The gains on the hedging instruments were £1,284 million (2021: gains of £944 million). The losses on the hedged items attributable to the hedged risk were £1,325 million (2021: losses of £767 million). The gains and losses relating to the fair value hedges are recorded in net trading income.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The notional principal of the interest rate swaps designated as cash flow hedges at 31 December 2022 was £249,703 million (2021: £109,093 million) with a net fair value liability of £2 million (2021: asset of £5 million) (note 17). In 2022, ineffectiveness recognised in the income statement that arises from cash flow hedges was a loss of £10 million (2021: loss of £69 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Interest rate benchmark reform</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group continues to manage the transition to alternative benchmark rates under its Group-wide IBOR transition programme. The Group has transitioned substantially all of its non-USD LIBOR products and continues to work with customers to transition a small number of remaining contracts that either have yet to transition or have defaulted to the relevant synthetic LIBOR benchmark in the interim. USD LIBOR transition is expected to complete by 30 June 2023. </span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">While the volume of outstanding transactions impacted by IBOR benchmark reforms continues to reduce, the Group does not expect material changes to its risk management approach.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The material risks identified include the following:</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Conduct and litigation risk. </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group may be exposed to conduct and litigation charges as a direct result of inappropriate or negligent actions taken during IBOR transition resulting in detriment to the customer. The Group is working closely with its counterparties to avoid this outcome.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Market risk. </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IBOR transition is expected to lead to changes in the Group’s market risk profile which will continue to be monitored and managed within the appropriate risk appetites. The key change is expected to be on the management of basis risk profile during the period when alternative benchmark rates are referenced in contracts up to the cessation of the in-scope IBOR index.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Credit risk. </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Clients may wish to renegotiate the terms of existing transactions as a consequence of IBOR reform. This could lead to a change in the credit risk exposure of the client depending on the outcome of the negotiations. The Group will continue to monitor and manage changes within the appropriate risk appetites.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Accounting risk. </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">If IBOR transition is finalised in a manner that does not permit the application of the reliefs introduced in the IFRS Phase 2 amendments, the financial instrument may be required to be derecognised and a new instrument recognised. In addition, where instruments used in hedge accounting relationships are transitioned either at different times or to different benchmarks, this may result in additional volatility to the income statement either through hedge accounting ineffectiveness or failure of the hedge accounting relationships.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Operational risk. </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Additional operational risks may arise due to the IBOR transition programme impacting all businesses and functions within the Group and leading to the implementation of changes to technology, operations, client communication and the valuation of in-scope financial instruments.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The majority of the Group’s USD LIBOR exposures are expected to transition through industry-led transition programmes managed by the London Clearing House and Futures exchanges, or through the International Swaps and Derivatives Association (ISDA) protocol. Other contracts (primarily loans) maturing after June 2023 are being managed through the Group’s existing processes, either transitioning to an alternative benchmark rate or allowed to fallback under existing contract protocols or through US legislation.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group had the following significant exposures impacted by interest rate benchmark reform which had yet to transition to the replacement benchmark rate:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:32.282%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.671%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">At 31 December 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="21" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">At 31 December 2021</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">GBP<br/>LIBOR<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">USD<br/>LIBOR<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">GBP<br/>LIBOR<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">USD<br/>LIBOR<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-derivative financial assets</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">142</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">268 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,021 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,106 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,106 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">762</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,077</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,882</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,542 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,975 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,517 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">126 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">126 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">762</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,144</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,949</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,668 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,081 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,749 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">868</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,180</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,091</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,437 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,349 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,786 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-derivative financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">84</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">84</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">103 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">236</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">236</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">228 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">257 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivative notional/contract amount</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest rate</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">840</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">193,228</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,223</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195,291</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,734 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">286,921 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">299,655 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cross currency</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29,452</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,124</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,576</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,229 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,229 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">840</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">222,680</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,347</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">225,867</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,734 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">329,150 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">341,884 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Balances within Other include Canadian Dollar Offered Rate for which a cessation announcement, effective after 28 June 2024, was published on 16 May 2022.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022, the IBOR balances in the above table relate to contracts that have not transitioned to an alternative benchmark rate. In the case of Sterling LIBOR, these are contracts that have cash flows determined on a synthetic LIBOR basis.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Of the £222,680 million of USD derivative notional balances as at 31 December 2022, £55,973 million relate to contracts with their final LIBOR fixing prior to LIBOR cessation and £129,442 million relate to exchange traded futures or contracts settled through the London Clearing House. Of the remaining £37,265 million, £36,872 million are fallback-eligible.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In respect of the Group’s hedge accounting relationships, for the purposes of determining whether:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">A forecast transaction is highly probable</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">Hedged future cash flows are expected to occur</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">A hedge is expected to be highly effective in achieving offsetting changes in fair value or cash flows attributable to the hedged risk</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">An accounting hedging relationship should be discontinued because of a failure of the retrospective effectiveness test</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">the Group considers the interest rate benchmark, on which the hedged risk or the cash flows of the hedged item or hedging instrument are based is not altered by uncertainties resulting from interest rate benchmark reform.<br/>By 31 December 2022, the Group had transitioned its Sterling, Euro, Japanese Yen and Swiss Franc LIBOR hedge accounting models to risk-free rates. The Group plans to complete the transition of its USD LIBOR hedge accounting models ahead of the 30 June 2023 cessation date.The Group’s most significant remaining IBOR hedge accounting relationship in relation to benchmark reform is USD LIBOR, of which:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The notional amount of the hedged items that the Group has designated into cash flow hedge relationships that is directly affected by the interest rate benchmark reform is £1,771 million (2021: £3,258 million). These are principally loans and advances to customers in Commercial Banking.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The interest rate benchmark reforms also affect assets and liabilities designated in fair value hedges. At 31 December 2022, these assets had a notional value of £1,864 million and liabilities had a notional value of £17,540 million. At 31 December 2021, such assets had a notional value of £3,370 million and liabilities had a notional value of £22,437 million. These fair value hedges principally relate to debt securities in issue.</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">At 31 December 2022, the notional amount of the hedging instruments in hedging relationships to which these amendments apply was £19,755 million, of which £17,926 million relates to fair value hedges and £1,829 million relates to cash flow hedges. At 31 December 2021, the notional amount of the hedging instruments in hedging relationships to which these amendments applied was £27,873 million, of which £24,615 million related to fair value hedges and £3,258 million related to cash flow hedges.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(B) Foreign exchange risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The corporate and retail businesses incur foreign exchange risk in the course of providing services to their customers. All non-structural foreign exchange exposures in the non-trading book are managed centrally within allocated exposure limits. Trading book exposures in the authorised trading centres are allocated exposure limits. The limits are monitored daily by the local centres and reported to the market and liquidity risk function in London. Associated VaR and the closing, average, maximum and minimum are disclosed in the tables marked audited on page <a href="#i3bd5112235c4436ea8860eca12ce4651_5510" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none">95</a>.<br/>The Group manages foreign currency accounting exposure via cash flow hedge accounting, utilising currency swaps and forward foreign exchange trades.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Risk arises from the Group’s investments in its overseas operations. The Group’s structural foreign currency exposure is represented by the net asset value of the foreign currency equity and subordinated debt investments in its subsidiaries and branches. Gains or losses on structural foreign currency exposures are taken to reserves. The Group ceased all hedge accounting of the currency translation risk of the net investment in foreign operations in 2018. The Group’s main overseas operations are in the Americas and Europe.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Details of the Group’s structural foreign currency exposures are as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:39.017%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.714%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Foreign currency of Group operations</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Euro<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">US Dollar<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other<br/>non-Sterling<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Euro<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">US Dollar<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other<br/>non-Sterling<br/>£m</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Exposure</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,843</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">209</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">115 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">134 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Credit risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s credit risk exposure arises in respect of the instruments below and predominantly in the United Kingdom. Credit risk appetite is set at Board level and is described and reported through a suite of metrics devised from a combination of accounting and credit portfolio performance measures, which include the use of various credit risk rating systems as inputs and assess credit risk at a counterparty level using three components: (i) the probability of default by the counterparty on its contractual obligations; (ii) the current exposures to the counterparty and their likely future development, from which the Group derives the exposure at default; and (iii) the likely loss ratio on the defaulted obligations, the loss given default. The Group uses a range of approaches to mitigate credit risk, including internal control policies, obtaining collateral, using master netting agreements and other credit risk transfers, such as asset sales and credit derivatives based transactions. </span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span id="i50d59c3c5e794bec8c408cda9ee27046_1542"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Maximum credit exposure</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The maximum credit risk exposure of the Group in the event of other parties failing to perform their obligations is detailed below. No account is taken of any collateral held and the maximum exposure to loss, which includes amounts held to cover unit-linked and With Profits Funds liabilities, is considered to be the balance sheet carrying amount or, for non-derivative off-balance sheet transactions and financial guarantees, their contractual nominal amounts.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum<br/>exposure<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Offset</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net<br/>exposure<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Maximum<br/>exposure<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Offset</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net<br/>exposure<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2,3</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,872</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,872</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,538 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,538 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities, treasury and other bills</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,109</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,109</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,237 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,237 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,887</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,887</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89,146 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89,146 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12,330)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,423</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,051 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11,600)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,451 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,171)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">452,728</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,506)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">447,061 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,171)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">518,151</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,156 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,506)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">515,650 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,902 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,902 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reinsurance assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">616</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">616</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">759 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">759 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet items:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items serving as direct credit substitutes</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">510 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">510 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance bonds, including letters of credit, and other transaction-related contingencies</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,043 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,043 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Irrevocable commitments and guarantees</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,692</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,692</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,158 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,158 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,902 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,902 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">720,127</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14,501)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">705,626</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">730,916 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13,106)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717,810 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Offset items comprise deposit amounts available for offset and amounts available for offset under master netting arrangements that do not meet the criteria under IAS 32 to enable loans and advances and derivative assets respectively to be presented net of these balances in the financial statements.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Excluding equity shares.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Includes assets within the Group’s unit-linked funds for which credit risk is borne by the policyholders and assets within the Group’s With-Profits Funds for which credit risk is largely borne by the policyholders. Consequently, the Group has no significant exposure to credit risk for such assets which back related contract liabilities.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Amounts shown net of related impairment allowances.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span id="i50d59c3c5e794bec8c408cda9ee27046_1554"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(B) Concentrations of exposure</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s management of concentration risk includes portfolio controls on certain industries, sectors and products to reflect risk appetite as well as individual, customer and bank limit risk tolerances. Credit policies and appetite statements are aligned to the Group’s risk appetite and restrict exposure to higher risk countries and potentially vulnerable sectors and asset classes. Exposures are monitored to prevent both an excessive concentration of risk and single name concentrations. The Group’s largest credit limits are regularly monitored by the Board Risk Committee and reported in accordance with regulatory requirements. As part of its credit risk policy, the Group considers sustainability risk (which incorporates Environmental (including climate), Social and Governance) in the assessment of Commercial Banking facilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022 the most significant concentrations of exposure were in mortgages (comprising 71 per cent of total loans and advances to customers) and to financial, business and other services (comprising 8 per cent of the total).</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Agriculture, forestry and fishing</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,447</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,729 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Energy and water supply</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,552</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,978 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Manufacturing</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,619</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,110 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,066</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,440 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transport, distribution and hotels</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,170</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,463 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Postal and telecommunications</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,526</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,109 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property companies</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,499</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,923 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial, business and other services</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,666</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,533 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Personal:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgages</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">323,923</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">319,655 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,604 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease financing</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">766</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hire purchase</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,029</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,861 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total loans and advances to customers before allowance for impairment losses</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">459,417</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">452,387 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Allowance for impairment losses (note 18)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,518)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,820)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes both UK and overseas mortgage balances.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s operations are predominantly UK-based and as a result an analysis of credit risk exposures by geographical region is not provided.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(C) Credit quality of assets</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The analysis of lending has been prepared based on the division in which the asset is held; with the business segment in which the exposure is recorded reflected in the ratings system applied. The internal credit ratings systems used by the Group differ between Retail and Commercial, reflecting the characteristics of these exposures and the way that they are managed internally; these credit ratings are set out below. All probabilities of default (PDs) include forward-looking information and are based on 12-month values, with the exception of credit-impaired.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.646%"><tr><td style="width:1.0%"/><td style="width:23.422%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.422%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.708%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.422%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:23.426%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Commercial</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Quality classification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">IFRS 9 PD range</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Quality classification</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">IFRS 9 PD range</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.00–0.80%</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.000–0.100%</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.81–4.50%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.101–0.500%</span></div></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4.51–14.00%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.501–3.000%</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14.01–20.00%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3.001–20.000%</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20.01–99.99%</span></div></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20.001–99.999%</span></div></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.00%</span></div></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.000%</span></div></td></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 assets include balances of £727 million (2021: £650 million) (with outstanding amounts due of £1,360 million (2021: £1,279 million)) which have been subject to a partial write-off and where the Group continues to enforce recovery action.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 2 and Stage 3 assets with a carrying amount of £126 million (2021: £1,546 million) were modified during the year. No material gain or loss was recognised by the Group.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As at 31 December 2022 assets that had been previously modified while classified as Stage 2 or Stage 3 and were classified as Stage 1 amounted to £5,279 million (2021: £6,658 million).</span></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Drawn exposures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Expected credit loss allowance</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross drawn exposures and expected credit loss allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="30" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to banks</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,223</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,223</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,366</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,366</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,620</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,647</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="30" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">250,937</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,844</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">275,781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">81</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">180</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">261</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,557</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,945</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">140</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,443</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,466</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">72</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">734</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">734</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,374</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,374</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">136</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">136</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,416</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,622</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,038</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">311</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">253</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">564</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">257,517</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">41,783</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,416</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,622</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">312,338</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">552</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">311</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">253</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,207</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – credit cards</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,587</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,592</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,497</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,441</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,938</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">66</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">70</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">136</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,332</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,246</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,578</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">167</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">214</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">227</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">368</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">368</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">144</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">144</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">289</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">289</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">113</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">113</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,416</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,287</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">289</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,992</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">120</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">433</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">113</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">666</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – loans and overdrafts</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">659</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">660</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,902</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">451</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,353</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">90</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">114</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,724</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">657</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,381</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">69</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">152</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">199</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">252</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">405</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">424</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">163</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">166</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">247</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">247</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,357</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,713</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">247</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,317</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">169</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">315</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">126</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">610</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK Motor Finance</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,969</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">743</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,712</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">66</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,778</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">930</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,708</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">425</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">325</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">750</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">99</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">99</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">148</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">150</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">81</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">81</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,174</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,245</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,573</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">93</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">76</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">81</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">250</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – other</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,588</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">328</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,916</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,311</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">213</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,524</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">90</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">90</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">98</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">157</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">157</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,990</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">643</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">157</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,790</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Retail</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">303,454</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">49,671</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,263</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,622</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">367,010</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">486</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,394</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">683</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">253</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,816</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross drawn exposures and expected credit loss allowance continued</span></td><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Drawn exposures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Expected credit loss allowance</span></td></tr><tr style="height:20pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,573</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,606</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,070</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">512</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,582</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">40</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,591</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,627</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,218</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">128</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">93</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">221</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,275</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,508</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,783</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">244</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">291</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">813</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">813</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,371</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,371</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,070</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,070</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">80,509</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,493</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,371</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,373</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">214</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">414</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,070</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,698</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,972)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,966)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">380,991</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">61,164</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,640</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,622</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">459,417</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">700</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,808</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,757</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">253</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,518</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">303,454</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">49,671</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,263</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,622</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">367,010</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">486</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,394</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">683</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">253</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,816</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">80,509</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,493</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,371</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,373</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">214</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">414</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,070</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,698</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,972)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,966)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">380,991</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">61,164</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,640</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,622</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">459,417</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">700</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,808</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,757</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">253</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,518</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Drawn exposures include centralised fair value hedge accounting adjustments.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Reverse repurchase agreements</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Banks</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,292</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,292</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">494</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">494</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,786</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,786</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Customers</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,094</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,094</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,985</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,985</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">41,079</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">41,079</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total reverse repurchase agreements</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Undrawn exposures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Expected credit loss allowance</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross undrawn exposures and expected credit loss allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,003</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">159</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,162</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">145</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">84</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,086</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">274</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,444</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – credit cards</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39,384</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39,414</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,355</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,330</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">580</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">422</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,002</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">76</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">76</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54,319</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,549</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">45</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">57,913</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – loans and overdrafts</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,174</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,176</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,618</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">386</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,004</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">253</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">159</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">412</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">61</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">61</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,051</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">644</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,712</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK Motor Finance</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">318</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">318</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,259</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,259</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">347</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">348</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,924</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,925</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – other</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">702</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">702</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">198</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">198</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">900</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">900</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Retail</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79,280</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,468</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83,894</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">172</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Gross undrawn exposures and expected credit loss allowance continued</span></td><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Undrawn exposures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Expected credit loss allowance</span></td></tr><tr style="height:20pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,047</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,047</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29,141</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">135</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29,276</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,808</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,647</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,455</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">61</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">779</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">800</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,579</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56,775</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,667</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59,490</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">151</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">121</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">121</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">279</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">279</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">400</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">411</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">136,455</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,135</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">138</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143,795</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">185</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">323</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79,280</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,468</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">79</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">83,894</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">172</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">56,775</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,667</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59,490</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">151</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">400</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">411</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">136,455</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,135</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">138</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">67</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143,795</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">134</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">185</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">323</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Drawn exposures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected credit loss allowance</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross drawn exposures and expected credit loss allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="30" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to banks</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,161 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,161 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,780 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,780 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,002 </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,002 </span></td><td style="border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="30" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to customers</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">270,649 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,785 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280,434 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">146 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">194 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,971 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,288 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,259 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">104 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,258 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,267 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">355 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,112 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,112 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">65 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,940 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,977 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,917 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">394 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">273,629 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,798 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,940 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,977 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308,344 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">394 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">836 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – credit cards</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,076 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,091 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,023 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,092 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,115 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">43 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">819 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">623 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,442 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">112 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">112 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">235 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">128 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">128 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,918 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,077 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">292 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,287 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">218 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">128 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">442 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – loans and overdrafts</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,426 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,428 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,794 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">499 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,293 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">938 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">286 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,224 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">244 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">249 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">84 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">271 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">271 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,181 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,105 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">271 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,557 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">126 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">153 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">139 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">418 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK Motor Finance</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,758 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">465 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,223 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,904 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">844 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,748 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">41 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">583 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">298 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">881 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">69 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">152 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">201 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">201 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">116 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">116 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,247 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,828 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">201 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,276 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">106 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">116 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">296 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,715 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">228 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,943 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,386 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">265 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,651 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">97 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">107 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,198 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">593 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">169 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,960 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Retail</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">317,173 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,401 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,873 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,977 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">358,424 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">390 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">854 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">619 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,073 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Drawn exposures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected credit loss allowance</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross drawn exposures and expected credit loss allowance continued</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Commercial Banking</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,950 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,989 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,073 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">310 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,383 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,512 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,466 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,978 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">84 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">160 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,184 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,858 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,042 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">145 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">159 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">857 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">857 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,563 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,563 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">956 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">956 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82,719 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,530 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,563 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">93,812 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">260 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">956 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,341 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">400 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">406 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">400,036 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,931 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,443 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,977 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">452,387 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">915 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,114 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,581 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,820 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">317,173 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,401 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,873 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,977 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">358,424 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">390 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">854 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">619 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,073 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82,719 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,530 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,563 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">93,812 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">260 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">956 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,341 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">151 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">400 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">406 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">400,036 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,931 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,443 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,977 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">452,387 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">915 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,114 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,581 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,820 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Drawn exposures include centralised fair value hedge accounting adjustments and expected credit loss allowance includes a central adjustment of £400 million that was applied in respect of uncertainty in the economic outlook.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Reverse repurchase agreements</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Banks</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,901 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,901 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">631 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">631 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,532 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,532 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Customers</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,364 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,364 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,807 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,807 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">50 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,221 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">51,221 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total reverse repurchase agreements</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Undrawn exposures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected credit loss allowance</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross undrawn exposures and expected credit loss allowance</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK mortgages</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,947 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,014 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,971 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">95 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,151 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – credit cards</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,427 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,508 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,811 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,160 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,971 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">242 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">172 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">414 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">58 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,480 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,502 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,037 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – loans and overdrafts</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,123 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,126 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,180 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">228 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,408 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">97 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">145 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,401 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">319 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,738 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – UK Motor Finance</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">277 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">277 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,180 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,180 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">527 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">527 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,985 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,985 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Retail – other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">RMS 1–3</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">598 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">598 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 4–6</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">298 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">298 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 7–9</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 11–13</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">RMS 14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">896 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">896 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total Retail</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82,733 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,916 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85,807 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:23.936%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.927%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.488%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.532%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.497%"/><td style="width:0.1%"/></tr><tr style="height:11pt"><td colspan="3" rowspan="2" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Gross undrawn exposures and expected credit loss allowance continued</span></td><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Undrawn exposures</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="27" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Expected credit loss allowance</span></td></tr><tr style="height:20pt"><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Commercial Banking</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-style:italic;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,935 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,936 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,455 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,502 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,926 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,212 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,138 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">453 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">347 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">800 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,769 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,640 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,476 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 1–5</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 6–10</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">144 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 11–14</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">193 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">193 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 15–18</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 19</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">CMS 20–23</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">439 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">450 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137,941 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,556 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">164 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142,733 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">200 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:15pt"><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">In respect of:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">82,733 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,916 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85,807 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">62 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial Banking</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,769 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,640 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">67 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,476 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">439 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">450 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">137,941 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,556 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">164 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142,733 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">109 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">200 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Average PD grade</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below shows the average PD for the major portfolios used in the calculation of ECL and therefore Stage 2 average PD reflects the lifetime value. These reflect the forward-looking view under the Group’s base case scenario prior to the application of MES and post-model adjustments which further impact ECL.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>average PD<br/>%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>average PD<br/>%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>average PD<br/>%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>average PD<br/>%</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15.48</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.17 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.44 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.06</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20.89</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.58 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17.82 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and overdrafts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.36</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.42 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23.57 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Motor Finance</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.71</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11.24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.81 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.00 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.88</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18.50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.95 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22.32 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Cash and balances at central banks</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Significantly all of the Group’s cash and balances at central banks of £91,388 million (2021: £76,420 million) are due from the Bank of England, the Federal Reserve Bank of New York or the Deutsche Bundesbank.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities held at amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An analysis by credit rating of the Group’s debt securities held at amortised cost is provided below:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">268</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">268</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">202 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">202 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,712</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,712</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,457 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,457 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,946</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,948</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,590 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,608 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,658</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,660</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,047 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,065 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,993</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,007</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,558 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,571 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross exposure</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,919</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,935</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,807 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,838 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Allowance for impairment losses</span></td><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(9)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total debt securities held at amortised cost</span></td><td colspan="3" style="background-color:#dbdbdb;border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="background-color:#dbdbdb;border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Credit ratings equal to or better than ‘BBB’.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other comprises sub-investment grade (2022: £nil; 2021: £18 million) and not rated (2022: £16 million; 2021: £13 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at fair value through other comprehensive income (excluding equity shares)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An analysis of the Group’s financial assets at fair value through other comprehensive income is included in note 21. The credit quality of the Group’s financial assets at fair value through other comprehensive income (excluding equity shares) is set out below:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,196</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,211</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,600 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,613 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">146</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">55 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,470</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,514</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,088 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,134 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,761</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">110</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,703 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">114 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,817 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,761</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">110</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,788 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">114 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,902 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Credit ratings equal to or better than ‘BBB’.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other comprises sub-investment grade (2022: £71 million; 2021: £72 million) and not rated (2022: £39 million; 2021: £42 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Debt securities, treasury and other bills, and contracts held with reinsurers held at fair value through profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An analysis of the Group’s financial assets at fair value through profit or loss is included in note 16. Substantially all of the loans and advances to customers and banks recognised at fair value through profit or loss have an investment grade rating. The credit quality of the Group’s debt securities, treasury and other bills, and contracts held with reinsurers held at fair value through profit or loss is set out below:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,185</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,185</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,579 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,579 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">216</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">228</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">245 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">245 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total trading assets</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,422</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,434</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,839 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,839 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets mandatorily at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,872</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,097 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,101 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other public sector securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,510</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,516</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,722 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,731 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bank and building society certificates of deposit</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,129</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,133</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,294 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,297 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities:</span></td><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-right:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">228</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">228</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">171</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">171</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">272 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">272 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">399</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">399</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">693 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">693 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,932</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,761</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,693</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,692 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,865 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,557 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,841</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,772</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,613</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,498 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,881 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,379 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,822</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">84</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total other financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,725</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,856</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,581</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,888 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,881 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,769 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total held at fair value through profit or loss</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,868</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">49,015</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,727 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,881 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,608 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Credit ratings equal to or better than ‘BBB’.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other comprises sub-investment grade (2022: £1,256 million; 2021: £1,491 million) and not rated (2022: £1,612 million; 2021: £1,390 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit risk in respect of trading and other financial assets at fair value through profit or loss held within the Group’s unit-linked funds is borne by the policyholders and credit risk in respect of with-profits funds is largely borne by the policyholders. Consequently, the Group has no significant exposure to credit risk for such assets which back those contract liabilities.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivative assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An analysis of derivative assets is given in note 17. The Group reduces exposure to credit risk by using master netting agreements and by obtaining collateral in the form of cash or highly liquid securities. In respect of the Group’s net credit risk relating to derivative assets of £12,423 million (2021: £10,451 million), cash collateral of £3,951 million (2021: £5,658 million) was held and a further £36 million was due from OECD banks (2021: £253 million).</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading and other</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,326</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,352</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,193 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,772 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,965 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">53</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">81 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total derivative financial instruments</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,379</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,374</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,274 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,777 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,051 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Credit ratings equal to or better than ‘BBB’.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other comprises sub-investment grade (2022: £1,031 million; 2021: £1,471 million) and not rated (2022: £343 million; 2021: £306 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial guarantees and irrevocable loan commitments</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial guarantees represent undertakings that the Group will meet a customer’s obligation to third parties if the customer fails to do so. Commitments to extend credit represent unused portions of authorisations to extend credit in the form of loans, guarantees or letters of credit. The Group is theoretically exposed to loss in an amount equal to the total guarantees or unused commitments, however, the likely amount of loss is expected to be significantly less. Most commitments to extend credit are contingent upon customers maintaining specific credit standards.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span id="i50d59c3c5e794bec8c408cda9ee27046_1547"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(D) Collateral held as security for financial assets</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The principal types of collateral accepted by the Group include: residential and commercial properties; charges over business assets such as premises, inventory and accounts receivable; financial instruments, cash and guarantees from third-parties. The terms and conditions associated with the use of the collateral are varied and are dependent on the type of agreement and the counterparty. The Group holds collateral against loans and advances and irrevocable loan commitments; qualitative and, where appropriate, quantitative information is provided in respect of this collateral below. Collateral held as security for financial assets at fair value through profit or loss and for derivative assets is also shown below.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group holds collateral in respect of loans and advances to banks and customers as set out below. The Group does not hold collateral against debt securities, comprising asset-backed securities and corporate and other debt securities, which are classified as financial assets held at amortised cost.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to banks</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There were reverse repurchase agreements which are accounted for as collateralised loans within loans and advances to banks with a carrying value of £3,786 million (2021: £3,532 million), against which the Group held collateral with a fair value of £247 million (2021: £620 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These transactions were generally conducted under terms that are usual and customary for standard secured lending activities.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Loans and advances to customers</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Retail lending</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Mortgages</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An analysis by loan to value ratio of the Group’s residential mortgage lending is provided below. The value of collateral used in determining the loan to value ratios has been estimated based upon the last actual valuation, adjusted to take into account subsequent movements in house prices, after making allowances for indexation error and dilapidations. The market takes into account many factors, including environmental considerations such as flood risk and energy efficient additions, in arriving at the value of a home.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In some circumstances, where the discounted value of the estimated net proceeds from the liquidation of collateral (i.e. net of costs, expected haircuts and anticipated changes in the value of the collateral to the point of sale) is greater than the estimated exposure at default, no credit losses are expected and no ECL allowance is recognised.</span></div><div style="margin-bottom:8pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:20.276%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.659%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:6.669%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Drawn balances</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Expected credit loss allowance</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>gross<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 3<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">POCI<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less than 70 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">210,457</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,205</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,161</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,845</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">255,668</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">51</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">330</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">210</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">117</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">708</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 per cent to 80 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,788</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,264</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">170</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">359</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,581</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">124</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">246</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80 per cent to 90 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,942</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,604</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">149</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,743</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">59</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">110</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 per cent to 100 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,319</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">606</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">113</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,051</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Greater than 100 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">104</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">156</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">295</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">57</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">257,517</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">41,783</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,416</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,622</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">312,338</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">552</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">311</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">253</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,207</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less than 70 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">217,830 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,766 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,717 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,872 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">249,185 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">98 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">110 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">486 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70 per cent to 80 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42,808 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,632 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">134 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">572 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,146 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">155 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">80 per cent to 90 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,087 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">253 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,576 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">72 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 per cent to 100 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">779 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">46 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">135 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">974 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Greater than 100 per cent</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">125 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">101 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">214 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">463 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">42 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">90 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">273,629 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,798 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,940 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,977 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308,344 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">48 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">394 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">210 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">836 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The energy performance certificate (EPC) profile of the security associated with the Group’s UK mortgage portfolio is shown below:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">EPC profile</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">%</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">A</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">731</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">563 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.2 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">B</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,075</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11.9</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,070 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">C</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">60,086</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,636 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17.7 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">D</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">93,010</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29.8</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">88,752 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28.8 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">E</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,015</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,086 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">F</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,990</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.2</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,258 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.4 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">G</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,519</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.5</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,546 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.5 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Unrated properties</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77,912</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">25.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">86,433 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28.0 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">312,338</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">100.0</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">308,344 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100.0 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The above data is sourced using the latest available government EPC information as at the relevant balance sheet date. The Group has no EPC data available for 25.0 per cent (2021: 28.0 per cent) of the UK mortgage portfolio, these are classified as unrated properties.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">EPC ratings are not considered to be a material credit risk factor,and do not form part of the Group’s credit risk calculations. </span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Other</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The majority of non-mortgage retail lending is unsecured. At 31 December 2022, Stage 3 non-mortgage lending amounted to £475 million, net of an impairment allowance of £372 million (2021: £498 million, net of an impairment allowance of £435 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 and Stage 2 non-mortgage retail lending amounted to £53,825 million (2021: £49,147 million). Lending decisions are predominantly based on an obligor’s ability to repay rather than reliance on the disposal of any security provided. Where the lending is secured, collateral values are rigorously assessed at the time of loan origination and are thereafter monitored in accordance with business unit credit policy.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group’s credit risk disclosures for unimpaired non-mortgage retail lending show assets gross of collateral and therefore disclose the maximum loss exposure. The Group believes that this approach is appropriate.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Commercial lending</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Reverse repurchase transactions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022 there were reverse repurchase agreements which were accounted for as collateralised loans with a carrying value of £41,079 million (2021: £51,221 million), against which the Group held collateral with a fair value of £33,468 million (2021: £52,690 million), all of which the Group was able to repledge. These transactions were generally conducted under terms that are usual and customary for standard secured lending activities.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Stage 3 secured lending</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The value of collateral is re-evaluated and its legal soundness re-assessed if there is observable evidence of distress of the borrower; this evaluation is used to determine potential loss allowances and management’s strategy to try to either repair the business or recover the debt.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, Stage 3 secured commercial lending amounted to £410 million, net of an impairment allowance of £160 million (2021: £636 million, net of an impairment allowance of £198 million). The fair value of the collateral held in respect of impaired secured commercial lending was £484 million (2021: £693 million). In determining the fair value of collateral, no specific amounts have been attributed to the costs of realisation. For the purposes of determining the total collateral held by the Group in respect of impaired secured commercial lending, the value of collateral for each loan has been limited to the principal amount of the outstanding advance in order to eliminate the effects of any over-collateralisation and to provide a clearer representation of the Group’s exposure.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 3 secured commercial lending and associated collateral relates to lending to property companies and to customers in the financial, business and other services; transport, distribution and hotels; and construction industries.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Stage 1 and Stage 2 secured lending</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For Stage 1 and Stage 2 secured commercial lending, the Group reports assets gross of collateral and therefore discloses the maximum loss exposure. The Group believes that this approach is appropriate as collateral values at origination and during a period of good performance may not be representative of the value of collateral if the obligor enters a distressed state.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Stage 1 and Stage 2 secured commercial lending is predominantly managed on a cash flow basis. On occasion, it may include an assessment of underlying collateral, although, for Stage 3 lending, this will not always involve assessing it on a fair value basis. No aggregated collateral information for the entire unimpaired secured commercial lending portfolio is provided to key management personnel.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Financial assets at fair value through profit or loss (excluding equity shares)</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Included in financial assets at fair value through profit or loss are reverse repurchase agreements treated as collateralised loans with a carrying value of £11,781 million (2021: £14,921 million). Collateral is held with a fair value of £9,598 million (2021: £15,640 million), all of which the Group is able to repledge. At 31 December 2022, £5,232 million had been repledged (2021: £7,251 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In addition, securities held as collateral in the form of stock borrowed amounted to £26,368 million (2021: £14,100 million). Of this amount, £14,375 million (2021: £6,538 million) had been resold or repledged as collateral for the Group’s own transactions.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">These transactions were generally conducted under terms that are usual and customary for standard secured lending activities.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Derivative assets, after offsetting of amounts under master netting arrangements</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group reduces exposure to credit risk by using master netting agreements and by obtaining collateral in the form of cash or highly liquid securities. In respect of the net derivative assets after offsetting of amounts under master netting arrangements of £12,423 million (2021: £10,451 million), cash collateral of £3,951 million (2021: £5,658 million) was held.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Irrevocable loan commitments and other credit-related contingencies</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2022, the Group held irrevocable loan commitments and other credit-related contingencies of £77,678 million (2021: £73,902 million). Collateral is held as security, in the event that lending is drawn down, on £16,442 million (2021: £17,149 million) of these balances.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Collateral repossessed</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During the year, £219 million of collateral was repossessed (2021: £86 million), consisting primarily of residential property.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In respect of retail portfolios, the Group does not take physical possession of properties or other assets held as collateral and uses external agents to realise the value as soon as practicable, generally at auction, to settle indebtedness. Any surplus funds are returned to the borrower or are otherwise dealt with in accordance with appropriate insolvency regulations. In certain circumstances the Group takes physical possession of assets held as collateral against commercial lending. In such cases, the assets are carried on the Group’s balance sheet and are classified according to the Group’s accounting policies.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(E) Collateral pledged as security</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group pledges assets primarily for repurchase agreements and securities lending transactions which are generally conducted under terms that are usual and customary for standard securitised borrowing contracts.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Repurchase transactions</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Amortised cost</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There are balances arising from repurchase transactions with banks of £33,009 million (2021: £30,085 million), which include amounts due under the Bank of England’s Term Funding Scheme with additional incentives for SMEs (TFSME); the fair value of the collateral provided under these agreements at 31 December 2022 was £40,366 million (2021: £39,918 million).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">There are balances arising from repurchase transactions with customers of £15,587 million (2021: £1,040 million); the fair value of the collateral provided under these agreements at 31 December 2022 was £13,461 million (2021: £903 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The fair value of collateral pledged in respect of repurchase transactions, accounted for as secured borrowing, where the secured party is permitted by contract or custom to repledge was £10,427 million (2021: £14,350 million).</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Securities lending transactions</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following on-balance sheet financial assets have been lent to counterparties under securities lending transactions:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,463</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,348 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,429</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,918 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,892</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,266 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Securitisations and covered bonds</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">In addition to the assets detailed above, the Group also holds assets that are encumbered through the Group’s asset-backed conduits and its securitisation and covered bond programmes. Further details of these assets are provided in note 30.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span id="i50d59c3c5e794bec8c408cda9ee27046_1556"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Liquidity risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liquidity risk is defined as the risk that the Group has insufficient financial resources to meet its commitments as they fall due, or can only secure them at excessive cost. Liquidity risk is managed through a series of measures, tests and reports that are primarily based on contractual maturity. The Group carries out monthly stress testing of its liquidity position against a range of scenarios, including those prescribed by the PRA. The Group’s liquidity risk appetite is also calibrated against a number of stressed liquidity metrics.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses assets and liabilities of the Group, other than liabilities arising from insurance and investment contracts, into relevant maturity groupings based on the remaining contractual period at the balance sheet date; balances with no fixed maturity are included in the over 5 years category. Liabilities arising from insurance and investment contracts are analysed on a behavioural basis. Certain balances, included in the table below on the basis of their residual maturity, are repayable on demand upon payment of a penalty.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Maturities of assets and liabilities</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:32.282%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.790%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–6<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6–9<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9–12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2–5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,019</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,108</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,269</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,186</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">858</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,827</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,565</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143,777</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">180,609</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,896</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,823</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,069</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">656</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">637</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,424</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,828</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,420</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,756</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">763</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">896</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">700</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">352</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">78</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,084</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,535</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,628</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,337</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,849</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,952</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,886</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">78,857</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">287,855</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,530</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,908</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,600</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,035</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">285</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,924</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">583</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">219</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">275</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">874</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,475</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">36,828</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,518</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,859</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,666</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,762</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">88,999</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">289,784</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">310</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">273</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">391</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">456</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">665</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,324</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,334</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,401</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,683</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,071</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">189</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">700</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">211</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">357</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">922</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,470</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,603</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">145,124</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,793</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,824</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,857</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,037</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,694</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">109,648</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">488,852</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">877,829</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"><div style="text-align:right"><span><br/></span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,988</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">364</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">141</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">139</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">408</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,222</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,266</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">446,311</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,074</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,628</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,953</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,695</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,887</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,402</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">381</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,331</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,203</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,183</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,210</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">48,596</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,245</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,363</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,526</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,431</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">665</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">615</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,476</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,434</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,755</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,197</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,647</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">942</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">739</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">779</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,030</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,850</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,858</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,042</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,562</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,761</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,646</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,940</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,114</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,124</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,964</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,708</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,819</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from insurance and investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,288</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,828</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,598</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,434</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,324</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,172</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,618</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">102,606</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">149,868</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,137</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,246</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">393</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,486</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">521</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">523</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,842</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,901</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">541</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">662</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">915</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,770</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,842</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,730</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">483,931</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">31,466</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,415</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,784</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,506</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27,270</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">97,265</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">144,671</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">830,308</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:32.282%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.385%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.790%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–6<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6–9<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9–12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–2<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2–5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76,420 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76,420 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,706 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,280 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,093 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,840 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">878 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,784 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,553 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">168,637 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">206,771 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,607 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">804 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">633 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">304 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">309 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">947 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,997 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,450 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,051 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,350 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">332 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">327 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,918 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,279 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,624 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,792 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,949 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,107 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,096 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">77,714 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">283,006 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,678 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,111 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,651 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,107 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,526 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">762 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">918 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,217 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">305 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">220 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,735 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,249 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,326 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25,284 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,789 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,138 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,970 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,107 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">83,285 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">285,257 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,156 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">341 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">598 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">322 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,552 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,029 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,861 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,312 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">28,137 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,509 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,200 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">185 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">528 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">147 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">515 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">948 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,958 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,990 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total assets</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,909 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">36,166 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,822 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,132 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,856 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,382 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">102,644 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">513,614 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">886,525 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,313 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">376 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">353 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">177 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">223 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">353 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,774 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,647 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">456,077 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,177 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,165 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,053 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,296 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,883 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,327 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">366 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,344 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,011 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">92 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,009 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">31,125 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,711 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,921 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,439 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,969 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">224 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">212 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,748 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,899 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,123 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,674 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">826 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">470 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">341 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">352 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,105 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,962 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,330 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">18,060 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,020 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,555 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,476 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,320 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,129 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,152 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,496 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,404 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,552 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from insurance and investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,532 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,076 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,921 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,894 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,312 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,606 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,663 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">114,459 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">168,463 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,721 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,876 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">631 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,024 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">778 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">567 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">743 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,611 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,951 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">96 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,307 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,464 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,220 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,108 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,080 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,899 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,561 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">14,781 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,314 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,185 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100,186 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">164,367 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">833,373 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The above tables are provided on a contractual basis. The Group’s assets and liabilities may be repaid or otherwise mature earlier or later than implied by their contractual terms and readers are, therefore, advised to use caution when using this data to evaluate the Group’s liquidity position. In particular, amounts in respect of customer deposits are usually contractually payable on demand or at short notice. However, in practice, these deposits are not usually withdrawn on their contractual maturity.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses financial instrument liabilities of the Group, excluding those arising from insurance and participating investment contracts, on an undiscounted future cash flow basis according to contractual maturity, into relevant maturity groupings based on the remaining period at the balance sheet date; balances with no fixed maturity are included in the over 5 years category.</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:43.702%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.253%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,925</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">369</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">714</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,227</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">135</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,370</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">449,801</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,717</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,635</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,417</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">382</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,952</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,501</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,188</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">904</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,054</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,685</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,297</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,397</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,725</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,293</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,747</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,459</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,108</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,625</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,517</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39,527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,623</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85,400</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">166</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">582</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">700</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,515</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">113</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,648</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,741</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,384</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,913</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total non-derivative financial liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,647</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28,463</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,309</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,841</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,009</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">705,269</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – outflows</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55,671</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,380</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">40,826</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,808</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,677</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195,362</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – inflows</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(52,383)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(41,255)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(39,132)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(34,015)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,130)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(186,915)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – net flows</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,288</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,125</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,694</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">793</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">547</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,447</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net settled derivative liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,078</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">82</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">130</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">752</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,501</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,543</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total derivative financial liabilities</span></td><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,366</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,207</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,824</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,545</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,048</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,990</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:43.702%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.253%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,318 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">358 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">789 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,213 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">233 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,911 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">456,306 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,161 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,540 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,255 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">676 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,938 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,419 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">492 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">243 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,987 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,148 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,371 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,037 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,071 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,130 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,826 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,435 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,804 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,722 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,728 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,562 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,606 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,422 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,040 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,040 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">167 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">605 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">927 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,765 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">677 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,558 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,114 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,481 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total non-derivative financial liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,314 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,912 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,215 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89,310 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,389 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">681,140 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – outflows</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,184 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,271 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,267 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,429 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,709 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">162,860 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – inflows</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38,231)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(29,283)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(31,453)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38,137)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(19,834)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(156,938)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – net flows</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">953 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">988 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">814 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,292 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,875 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,922 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net settled derivative liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,099 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">429 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,350 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,990 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total derivative financial liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,052 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,048 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">866 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,721 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,225 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,912 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The majority of the Group’s non-participating investment contract liabilities are unit-linked. These unit-linked products are invested in accordance with unit fund mandates. Clauses are included in policyholder contracts to permit the deferral of sales, where necessary, so that linked assets can be realised without being a forced seller.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The principal amount for undated subordinated liabilities with no redemption option is included within the over 5 years column; interest of £17 million (2021: £20 million) per annum which is payable in respect of those instruments for as long as they remain in issue is not included beyond 5 years.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">An analysis of the Group’s total wholesale funding by residual maturity and by currency is set out on page <a href="#i9aa1c706885d48cfa8b295d917d9f265_4452" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none">86</a>.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from insurance and participating investment contracts are analysed on a behavioural basis, as permitted by IFRS 4, as follows:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:40.042%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">826</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,288</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,967</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,967</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">76,845</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">106,893</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,101 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,603 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,108 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">26,928 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">87,683 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">123,423 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">For insurance contracts which are neither unit-linked nor in the Group’s with-profit funds, in particular annuity liabilities, the aim is to invest in assets such that the cash flows on investments match those on the projected future liabilities.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following tables set out the amounts and residual maturities of the Group’s off-balance sheet contingent liabilities, commitments and guarantees.</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:36.967%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.781%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:5.785%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–6<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">6–9<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">9–12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">47</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other contingent liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">355</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">744</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">263</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">240</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">144</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">554</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">181</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">447</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,928</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total contingent liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">402</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">755</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">263</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">240</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">144</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">554</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">181</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">447</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,986</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lending commitments and guarantees</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68,984</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,419</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,641</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,586</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,439</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,787</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,329</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,571</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143,756</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total commitments and guarantees</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68,984</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,419</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,641</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,586</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,439</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,787</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,339</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">19,600</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">143,795</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total contingents, commitments and guarantees</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">69,386</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,174</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,904</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,826</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,583</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,341</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,520</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,047</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">146,781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">180 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other contingent liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">219 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">658 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">328 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">295 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">258 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">457 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,553 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total contingent liabilities</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">230 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">838 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">328 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">184 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">154 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">295 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">258 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">457 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,744 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lending commitments and guarantees</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,437 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,269 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,021 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,662 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,872 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,060 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,595 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,756 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142,672 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other commitments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">44 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">61 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total commitments and guarantees</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,437 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,269 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,021 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,662 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,872 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,077 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,595 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,800 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">142,733 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total contingents, commitments and guarantees</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">70,667 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,107 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,349 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,846 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,026 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">20,372 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,853 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,257 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">145,477 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Capital risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Capital is actively managed on an ongoing basis for both the Group and its regulated banking subsidiaries, with associated capital policies and procedures subjected to regular review. The Group assesses both its regulatory capital requirements and the quantity and quality of capital resources it holds to meet those requirements through applying the capital directives and regulations implemented in the UK by the Prudential Regulation Authority (PRA) and supplemented through additional regulation under the PRA Rulebook and associated statements of policy, supervisory statements and other regulatory guidance. Regulatory capital ratios are considered a key part of the budgeting and planning processes and forecast ratios are reviewed by the Group Asset and Liability Committee. Target capital levels take account of current and future regulatory requirements, capacity for growth and to cover uncertainties. Details of the Group’s capital resources are provided in the table marked audited on page <a href="#ib26b5f217f284e8c9a4b747c14b994a2_16155" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;text-decoration:none">58</a>.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Each insurance company within the Group is regulated by the PRA. The insurance businesses are required to calculate solvency capital requirements and available capital in accordance with Solvency II. The Insurance business of the Group calculates regulatory capital on the basis of an internal model, which was approved by the PRA on 5 December 2015, with the latest major change to the model approved in November 2020. The capital position of the Group’s insurance businesses is reviewed on a regular basis by the Insurance, Pensions and Investments Executive Committee.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span id="i50d59c3c5e794bec8c408cda9ee27046_1955"/><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">Insurance risk</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance underwriting risk is the risk of adverse developments in the timing, frequency and severity of claims for insured/underwritten events and in customer behaviour, leading to reductions in earnings and/or value and arises within the Group’s Insurance business. Insurance underwriting risk is measured using a variety of techniques including stress, reverse stress and scenario testing, as well as stochastic modelling. Current and potential future insurance underwriting risk exposures are assessed and aggregated on a range of stresses including risk measures based on 1-in-200 year stresses for the Insurance business’s regulatory capital assessments and other supporting measures where appropriate. The Group also mitigates insurance underwriting risk via the use of reinsurance arrangements.</span></div>
CY2022	ifrs-full	Disclosure Of Credit Risk Exposure Explanatory DisclosureOfCreditRiskExposureExplanatory	<div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Maximum<br/>exposure<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Offset</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Net<br/>exposure<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Maximum<br/>exposure<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Offset</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Net<br/>exposure<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2,3</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,872</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,872</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,538 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,538 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities, treasury and other bills</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,109</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38,109</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,237 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">47,237 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,887</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">73,887</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89,146 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89,146 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">24,753</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(12,330)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,423</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22,051 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(11,600)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,451 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at amortised cost, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">:</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,632</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,001 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,171)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">452,728</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,506)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">447,061 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reverse repurchase agreements, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">44,865</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54,753 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities, net</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">4</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">9,926</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,835 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,322</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,171)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">518,151</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,156 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,506)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">515,650 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">22,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,902 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,902 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Reinsurance assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">616</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">616</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">759 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">759 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Off-balance sheet items:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acceptances and endorsements</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">58</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">191 </span></td><td style="border-right:1pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other items serving as direct credit substitutes</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">781</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">510 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">510 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Performance bonds, including letters of credit, and other transaction-related contingencies</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,043 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,043 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Irrevocable commitments and guarantees</span></td><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,692</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">74,692</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,158 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,158 </span></td><td style="border-right:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">77,678</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,902 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,902 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">720,127</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(14,501)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">705,626</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">730,916 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13,106)</span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">717,810 </span></td><td style="border-bottom:1.5pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Offset items comprise deposit amounts available for offset and amounts available for offset under master netting arrangements that do not meet the criteria under IAS 32 to enable loans and advances and derivative assets respectively to be presented net of these balances in the financial statements.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Excluding equity shares.</span></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">3 Includes assets within the Group’s unit-linked funds for which credit risk is borne by the policyholders and assets within the Group’s With-Profits Funds for which credit risk is largely borne by the policyholders. Consequently, the Group has no significant exposure to credit risk for such assets which back related contract liabilities.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">4 Amounts shown net of related impairment allowances.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below shows the average PD for the major portfolios used in the calculation of ECL and therefore Stage 2 average PD reflects the lifetime value. These reflect the forward-looking view under the Group’s base case scenario prior to the application of MES and post-model adjustments which further impact ECL.</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:58.636%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.713%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 1<br/>average PD<br/>%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Stage 2<br/>average PD<br/>%</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 1<br/>average PD<br/>%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Stage 2<br/>average PD<br/>%</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Retail</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK mortgages</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.26</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15.48</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.17 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.44 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Credit cards</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2.06</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20.89</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1.58 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17.82 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and overdrafts</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3.36</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">29.75</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2.42 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23.57 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">UK Motor Finance</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.71</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11.24</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.81 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12.00 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Commercial Banking</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to customers</span></td><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">0.88</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18.50</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">0.95 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">22.32 </span></td><td style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Reflects the new organisation structure, with Business Banking and Commercial Cards moving from Retail to Commercial Banking and Wealth moving from Insurance, Pensions and Investments (previously Insurance and Wealth) to Retail; comparatives have been presented on a consistent basis.</span></div>
CY2022	ifrs-full	Disclosure Of Loans And Advances To Customers Explanatory DisclosureOfLoansAndAdvancesToCustomersExplanatory	<div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Agriculture, forestry and fishing</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,447</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,729 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Energy and water supply</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,552</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,978 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Manufacturing</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,619</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,110 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Construction</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,066</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,440 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transport, distribution and hotels</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,170</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,463 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Postal and telecommunications</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,526</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,109 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Property companies</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21,499</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,923 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial, business and other services</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">37,666</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,533 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Personal:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:5.67pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgages</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">323,923</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">319,655 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,154</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">24,604 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease financing</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">766</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">982 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hire purchase</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,029</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15,861 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total loans and advances to customers before allowance for impairment losses</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">459,417</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">452,387 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Allowance for impairment losses (note 18)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,518)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,820)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total loans and advances to customers</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">454,899</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">448,567 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes both UK and overseas mortgage balances.</span></div>
CY2022Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	454899000000	gbp
CY2021Q4	ifrs-full	Loans And Advances To Customers LoansAndAdvancesToCustomers	448567000000	gbp
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2021Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	76420000000	gbp
CY2022	ifrs-full	Disclosure Of Fair Value Of Financial Instruments Explanatory DisclosureOfFairValueOfFinancialInstrumentsExplanatory	. Substantially all of the loans and advances to customers and banks recognised at fair value through profit or loss have an investment grade rating. The credit quality of the Group’s debt securities, treasury and other bills, and contracts held with reinsurers held at fair value through profit or loss is set out below:<div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:41.066%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.694%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="15" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:4.55pt;font-weight:700;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Investment</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">grade</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Other</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">2</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Trading assets:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,185</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,185</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,579 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,579 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">21</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">15 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">216</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">228</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">245 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">245 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total trading assets</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,422</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,434</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,839 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,839 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other financial assets mandatorily at fair value through profit or loss:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities:</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Government securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,871</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,872</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,097 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">11,101 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other public sector securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,510</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,516</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,722 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,731 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bank and building society certificates of deposit</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,129</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,133</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,294 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,297 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Asset-backed securities:</span></td><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-left:1pt solid #000;border-right:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Mortgage-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">228</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">228</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">421 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 18.01pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other asset-backed securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">171</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">171</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">272 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">272 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">399</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">399</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">693 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">693 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 12.34pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Corporate and other debt securities</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,932</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,761</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,693</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,692 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,865 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,557 </span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">32,841</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,772</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">35,613</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">37,498 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,881 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">40,379 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Treasury and other bills</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">62</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt 2px 6.67pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contracts held with reinsurers</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,822</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">84</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">10,906</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,371 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total other financial assets mandatorily at fair value through profit or loss</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,725</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,856</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,581</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">49,888 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,881 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52,769 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total held at fair value through profit or loss</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">46,147</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,868</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">49,015</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">56,727 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,881 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">59,608 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Credit ratings equal to or better than ‘BBB’.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Other comprises sub-investment grade (2022: £1,256 million; 2021: £1,491 million) and not rated (2022: £1,612 million; 2021: £1,390 million).</span></div>
CY2022Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	24753000000	gbp
CY2021Q4	ifrs-full	Derivative Financial Assets DerivativeFinancialAssets	22051000000	gbp
CY2022Q4	ifrs-full	Assets Obtained AssetsObtained	219000000	gbp
CY2021Q4	ifrs-full	Assets Obtained AssetsObtained	86000000	gbp
CY2022	ifrs-full	Disclosure Of Transfers Of Financial Assets Explanatory DisclosureOfTransfersOfFinancialAssetsExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following on-balance sheet financial assets have been lent to counterparties under securities lending transactions:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:79.280%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,463</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,348 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,429</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,918 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,892</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,266 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>
CY2022	ifrs-full	Maturity Analysis For Nonderivative Financial Liabilities MaturityAnalysisForNonderivativeFinancialLiabilities	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The table below analyses financial instrument liabilities of the Group, excluding those arising from insurance and participating investment contracts, on an undiscounted future cash flow basis according to contractual maturity, into relevant maturity groupings based on the remaining period at the balance sheet date; balances with no fixed maturity are included in the over 5 years category.</span></div><div style="margin-bottom:12pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:43.702%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.253%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">At 31 December 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,925</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">369</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">714</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,227</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">135</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,370</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">449,801</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,717</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,635</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">7,417</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">382</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">475,952</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,501</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,188</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">904</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">33,054</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">38</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">52,685</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,297</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,397</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,725</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,293</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">4,747</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">18,459</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,108</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,625</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,517</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">39,527</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">11,623</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">85,400</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">–</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">42,975</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">54</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">166</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">582</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">700</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,515</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">27</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">113</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,648</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,741</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">12,384</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,913</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total non-derivative financial liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">520,647</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">28,463</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,309</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,841</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">30,009</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">705,269</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – outflows</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">55,671</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43,380</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">40,826</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">34,808</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">20,677</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">195,362</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – inflows</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(52,383)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(41,255)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(39,132)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(34,015)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20,130)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(186,915)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – net flows</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">3,288</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,125</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,694</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">793</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">547</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">8,447</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net settled derivative liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,078</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">82</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">130</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">752</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,501</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,543</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total derivative financial liabilities</span></td><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">16,366</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,207</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,824</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,545</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,048</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">23,990</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1pt solid #000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:43.702%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.245%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.253%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Up to 1<br/>month<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–3<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">3–12<br/>months<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">1–5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Over 5<br/>years<br/>£m</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Total<br/>£m</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">At 31 December 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Deposits from banks</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,318 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">358 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">789 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,213 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">233 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,911 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Customer deposits</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">456,306 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,161 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,540 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,255 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">676 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">476,938 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Repurchase agreements at amortised cost</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,419 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">492 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">243 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,987 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">33,148 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,371 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,037 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,071 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,130 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,826 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">23,435 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,804 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,722 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">16,728 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">34,562 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,606 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,422 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Liabilities arising from non-participating investment contracts</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,040 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">45,040 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lease liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">64 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">167 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">605 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">927 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,765 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">677 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,558 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,114 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,481 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total non-derivative financial liabilities</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">517,314 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,912 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">29,215 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">89,310 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">27,389 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">681,140 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Derivative financial liabilities</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – outflows</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,184 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">30,271 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">32,267 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">39,429 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">21,709 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">162,860 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – inflows</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38,231)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(29,283)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(31,453)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38,137)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(19,834)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(156,938)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Gross settled derivatives – net flows</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">953 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">988 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">814 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,292 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,875 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5,922 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net settled derivative liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,099 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">60 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">52 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">429 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,350 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,990 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total derivative financial liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13,052 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,048 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">866 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,721 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,225 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">19,912 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table>
CY2022Q4	ifrs-full	Undated Subordinated Liabilities UndatedSubordinatedLiabilities	17000000	gbp
CY2021Q4	ifrs-full	Undated Subordinated Liabilities UndatedSubordinatedLiabilities	20000000	gbp
CY2022Q4	ifrs-full	Estimated Financial Effect Of Contingent Liabilities EstimatedFinancialEffectOfContingentLiabilities	2986000000	gbp
CY2022Q4	ifrs-full	Gross Loan Commitments GrossLoanCommitments	143795000000	gbp
CY2022Q4	lyg	Total Contingents And Commitments TotalContingentsAndCommitments	146781000000	gbp
CY2021Q4	ifrs-full	Estimated Financial Effect Of Contingent Liabilities EstimatedFinancialEffectOfContingentLiabilities	2744000000	gbp
CY2021Q4	ifrs-full	Gross Loan Commitments GrossLoanCommitments	142733000000	gbp
CY2021Q4	lyg	Total Contingents And Commitments TotalContingentsAndCommitments	145477000000	gbp
CY2022	ifrs-full	Disclosure Of Cash Flow Statement Explanatory DisclosureOfCashFlowStatementExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 53: CASH FLOW STATEMENT</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(A) Change in operating assets</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in financial assets held at amortised cost</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,639)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,379)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(6,652)</span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in financial assets at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">26,179</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15,565)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(8,147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,704)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,132 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,894)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in other operating assets</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">201</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,447 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">25 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Change in operating assets</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">17,037</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,365)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(17,668)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated, see page F-<a href="#if787e051237d4380813ea48366877f0f_403" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">16</a>.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(B) Change in operating liabilities</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in deposits from banks and repurchase agreements</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,536</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,266 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,287 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in customer deposits and repurchase agreements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13,340</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">17,295 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">38,805 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in financial liabilities at fair value through profit or loss</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(4,849)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">391 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,085 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in derivative financial instruments</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">5,982</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(9,258)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,534 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in debt securities in issue</span></td><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,651</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(15,896)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(10,142)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in investment contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,065)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,588 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">993 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in other operating liabilities</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,002)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(432)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">175 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Change in operating liabilities</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">15,593</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,954 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">35,737 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Includes a decrease of £158 million (2021: decrease of £197 million; 2020: decrease of £172 million) in respect of lease liabilities.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(C) Non-cash and other items</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.711%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Depreciation and amortisation</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">2,396</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,825 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2,732 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Revaluation of investment properties</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">511</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(575)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">209 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Allowance for loan losses</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">1,372</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,121)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3,856 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Write-off of allowance for loan losses, net of recoveries</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(759)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(935)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,377)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment charge (credit) relating to undrawn balances</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">122</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(257)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">289 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Impairment of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">5 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Change in insurance contract liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16,590)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">7,328 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,554 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Regulatory and legal provisions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">255</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,300 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">464 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other provision movements</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(80)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(66)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">85 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net charge in respect of defined benefit schemes</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">125</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">236 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">247 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Foreign exchange impact on balance sheet</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(291)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">140 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">865 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Interest expense on subordinated liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">697</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,320 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">1,080 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net gain on sale of financial assets at fair value through other comprehensive income</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(92)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">2 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(149)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Hedging valuation adjustments on subordinated debt</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(1,871)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(781)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">280 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Value of employee services</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">224</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">182 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">122 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transactions in own shares</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(20)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(13)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">293 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Accretion of discounts and amortisation of premiums and issue costs</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">462</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(306)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(82)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Share of post-tax results of associates and joint ventures</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(10)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">13 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Transfers to income statement from reserves</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">43</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(621)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(496)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Profit on disposal of tangible fixed assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(121)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(268)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(81)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other non-cash items</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(159)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(38)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total non-cash items</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(13,659)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">8,227 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">12,871 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Contributions to defined benefit schemes</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,533)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,347)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,153)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Payments in respect of regulatory and legal provisions</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(625)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(817)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,241)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">13</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">117 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total other items</span></td><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(3,145)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,164)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,277)</span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Non-cash and other items</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(16,804)</span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,063 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">9,594 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 When considering the movement on each line of the balance sheet, the impact of foreign exchange rate movements is removed in order to show the underlying cash impact.</span></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(D) Acquisition of Group undertakings and businesses</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:69.471%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:8.709%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.688%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net assets acquired:</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Intangible assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">68</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other assets</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">131</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Other liabilities</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(146)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Goodwill arising on acquisition</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">335</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash consideration</span></td><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less cash and cash equivalents acquired</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(74)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Net cash outflow arising from acquisition of subsidiaries and businesses</span></td><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">314</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">– </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Acquisition of and additional investment in joint ventures</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">54 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Net cash outflow from acquisitions in the year</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">409</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">57 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">3 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:1pt;margin-top:4pt;padding-left:14.17pt;text-indent:-14.17pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(E) Analysis of cash and cash equivalents as shown in the balance sheet</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76,420 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,257 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less mandatory reserve deposits</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,111)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,178)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,875)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">89,277</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,242 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,382 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks and reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,418</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,533 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,746 </span></td><td style="border-right:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less amounts with a maturity of three months or more</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,866)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,581)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,983)</span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,552</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,952 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,763 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total cash and cash equivalents</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,829</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79,194 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78,145 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated, see page F-<a href="#if787e051237d4380813ea48366877f0f_403" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">16</a>.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Mandatory reserve deposits are held with local central banks in accordance with statutory requirements. Where these deposits are not held in demand accounts and are not available to finance the Group’s day-to-day operations they are excluded from cash and cash equivalents.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Included within cash and cash equivalents at 31 December 2022 is £37 million (2021: £76 million; 2020: £84 million) of restricted cash and cash equivalents is held within the Group’s long-term insurance and investments operations, which is not immediately available for use in the business.</span></div>
CY2022	lyg	Adjustments For Decrease Increase In Loans And Advances To Reconcile Profit Loss To Net Cash Flow From Used In Operating Activities AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToReconcileProfitLossToNetCashFlowFromUsedInOperatingActivities	-1639000000	gbp
CY2021	lyg	Adjustments For Decrease Increase In Loans And Advances To Reconcile Profit Loss To Net Cash Flow From Used In Operating Activities AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToReconcileProfitLossToNetCashFlowFromUsedInOperatingActivities	-2379000000	gbp
CY2020	lyg	Adjustments For Decrease Increase In Loans And Advances To Reconcile Profit Loss To Net Cash Flow From Used In Operating Activities AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToReconcileProfitLossToNetCashFlowFromUsedInOperatingActivities	-6652000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss	-26179000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss	15565000000	gbp
CY2020	ifrs-full	Gains Losses On Financial Assets At Fair Value Through Profit Or Loss GainsLossesOnFinancialAssetsAtFairValueThroughProfitOrLoss	8147000000	gbp
CY2022	lyg	Adjustments For Change In Derivative Financial Instruments Trading And Other Financial Assets At Fair Value Through Profit Or Loss To Reconcile Profit Loss To Net Cash Flow From Used In Operating AdjustmentsForChangeInDerivativeFinancialInstrumentsTradingAndOtherFinancialAssetsAtFairValueThroughProfitOrLossToReconcileProfitLossToNetCashFlowFromUsedInOperating	-7704000000	gbp
CY2021	lyg	Adjustments For Change In Derivative Financial Instruments Trading And Other Financial Assets At Fair Value Through Profit Or Loss To Reconcile Profit Loss To Net Cash Flow From Used In Operating AdjustmentsForChangeInDerivativeFinancialInstrumentsTradingAndOtherFinancialAssetsAtFairValueThroughProfitOrLossToReconcileProfitLossToNetCashFlowFromUsedInOperating	6132000000	gbp
CY2020	lyg	Adjustments For Change In Derivative Financial Instruments Trading And Other Financial Assets At Fair Value Through Profit Or Loss To Reconcile Profit Loss To Net Cash Flow From Used In Operating AdjustmentsForChangeInDerivativeFinancialInstrumentsTradingAndOtherFinancialAssetsAtFairValueThroughProfitOrLossToReconcileProfitLossToNetCashFlowFromUsedInOperating	-2894000000	gbp
CY2022	ifrs-full	Adjustments For Decrease Increase In Other Assets AdjustmentsForDecreaseIncreaseInOtherAssets	201000000	gbp
CY2021	ifrs-full	Adjustments For Decrease Increase In Other Assets AdjustmentsForDecreaseIncreaseInOtherAssets	1447000000	gbp
CY2020	ifrs-full	Adjustments For Decrease Increase In Other Assets AdjustmentsForDecreaseIncreaseInOtherAssets	25000000	gbp
CY2022	lyg	Increase Decrease In Operating Assets IncreaseDecreaseInOperatingAssets	17037000000	gbp
CY2021	lyg	Increase Decrease In Operating Assets IncreaseDecreaseInOperatingAssets	-10365000000	gbp
CY2020	lyg	Increase Decrease In Operating Assets IncreaseDecreaseInOperatingAssets	-17668000000	gbp
CY2022	lyg	Adjustments For Increase Decrease In Deposits From Banks And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromBanksAndRepurchaseAgreements	2536000000	gbp
CY2021	lyg	Adjustments For Increase Decrease In Deposits From Banks And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromBanksAndRepurchaseAgreements	6266000000	gbp
CY2020	lyg	Adjustments For Increase Decrease In Deposits From Banks And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromBanksAndRepurchaseAgreements	3287000000	gbp
CY2022	lyg	Adjustments For Increase Decrease In Deposits From Customers And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromCustomersAndRepurchaseAgreements	13340000000	gbp
CY2021	lyg	Adjustments For Increase Decrease In Deposits From Customers And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromCustomersAndRepurchaseAgreements	17295000000	gbp
CY2020	lyg	Adjustments For Increase Decrease In Deposits From Customers And Repurchase Agreements AdjustmentsForIncreaseDecreaseInDepositsFromCustomersAndRepurchaseAgreements	38805000000	gbp
CY2022	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLoss	4849000000	gbp
CY2021	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLoss	-391000000	gbp
CY2020	ifrs-full	Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss GainsLossesOnFinancialLiabilitiesAtFairValueThroughProfitOrLoss	-1085000000	gbp
CY2022	lyg	Gains Losses In Derivative Financial Instruments And Liabilities At Fair Value Through Profit Or Loss GainsLossesInDerivativeFinancialInstrumentsAndLiabilitiesAtFairValueThroughProfitOrLoss	5982000000	gbp
CY2021	lyg	Gains Losses In Derivative Financial Instruments And Liabilities At Fair Value Through Profit Or Loss GainsLossesInDerivativeFinancialInstrumentsAndLiabilitiesAtFairValueThroughProfitOrLoss	-9258000000	gbp
CY2020	lyg	Gains Losses In Derivative Financial Instruments And Liabilities At Fair Value Through Profit Or Loss GainsLossesInDerivativeFinancialInstrumentsAndLiabilitiesAtFairValueThroughProfitOrLoss	1534000000	gbp
CY2022	lyg	Change In Debt Securities In Issue ChangeInDebtSecuritiesInIssue	1651000000	gbp
CY2021	lyg	Change In Debt Securities In Issue ChangeInDebtSecuritiesInIssue	-15896000000	gbp
CY2020	lyg	Change In Debt Securities In Issue ChangeInDebtSecuritiesInIssue	-10142000000	gbp
CY2022	ifrs-full	Adjustments For Increase Decrease In Insurance Reinsurance And Investment Contract Liabilities AdjustmentsForIncreaseDecreaseInInsuranceReinsuranceAndInvestmentContractLiabilities	-2065000000	gbp
CY2021	ifrs-full	Adjustments For Increase Decrease In Insurance Reinsurance And Investment Contract Liabilities AdjustmentsForIncreaseDecreaseInInsuranceReinsuranceAndInvestmentContractLiabilities	6588000000	gbp
CY2020	ifrs-full	Adjustments For Increase Decrease In Insurance Reinsurance And Investment Contract Liabilities AdjustmentsForIncreaseDecreaseInInsuranceReinsuranceAndInvestmentContractLiabilities	993000000	gbp
CY2022	lyg	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	-1002000000	gbp
CY2021	lyg	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	-432000000	gbp
CY2020	lyg	Increase Decrease In Other Operating Liabilities IncreaseDecreaseInOtherOperatingLiabilities	175000000	gbp
CY2022	lyg	Increase Decrease In Operating Liabilities IncreaseDecreaseInOperatingLiabilities	15593000000	gbp
CY2021	lyg	Increase Decrease In Operating Liabilities IncreaseDecreaseInOperatingLiabilities	4954000000	gbp
CY2020	lyg	Increase Decrease In Operating Liabilities IncreaseDecreaseInOperatingLiabilities	35737000000	gbp
CY2022	lyg	Increase Decrease In Lease Liabilities IncreaseDecreaseInLeaseLiabilities	-158000000	gbp
CY2021	lyg	Increase Decrease In Lease Liabilities IncreaseDecreaseInLeaseLiabilities	-197000000	gbp
CY2020	lyg	Increase Decrease In Lease Liabilities IncreaseDecreaseInLeaseLiabilities	-172000000	gbp
CY2022	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2396000000	gbp
CY2021	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2825000000	gbp
CY2020	ifrs-full	Depreciation And Amortisation Expense DepreciationAndAmortisationExpense	2732000000	gbp
CY2022	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	-511000000	gbp
CY2021	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	575000000	gbp
CY2020	ifrs-full	Gains Losses On Fair Value Adjustment Investment Property GainsLossesOnFairValueAdjustmentInvestmentProperty	-209000000	gbp
CY2022	lyg	Writeoff Of Impairment Allowances Recognised Against Loans And Advances Net Of Recoveries WriteoffOfImpairmentAllowancesRecognisedAgainstLoansAndAdvancesNetOfRecoveries	759000000	gbp
CY2021	lyg	Writeoff Of Impairment Allowances Recognised Against Loans And Advances Net Of Recoveries WriteoffOfImpairmentAllowancesRecognisedAgainstLoansAndAdvancesNetOfRecoveries	935000000	gbp
CY2020	lyg	Writeoff Of Impairment Allowances Recognised Against Loans And Advances Net Of Recoveries WriteoffOfImpairmentAllowancesRecognisedAgainstLoansAndAdvancesNetOfRecoveries	1377000000	gbp
CY2022	lyg	Provisions For Undrawn Commitments And Financial Guarantees ProvisionsForUndrawnCommitmentsAndFinancialGuarantees	122000000	gbp
CY2021	lyg	Provisions For Undrawn Commitments And Financial Guarantees ProvisionsForUndrawnCommitmentsAndFinancialGuarantees	-257000000	gbp
CY2020	lyg	Provisions For Undrawn Commitments And Financial Guarantees ProvisionsForUndrawnCommitmentsAndFinancialGuarantees	289000000	gbp
CY2022	ifrs-full	Increase Decrease In Liabilities Under Insurance Contracts And Reinsurance Contracts Issued IncreaseDecreaseInLiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssued	16590000000	gbp
CY2021	ifrs-full	Increase Decrease In Liabilities Under Insurance Contracts And Reinsurance Contracts Issued IncreaseDecreaseInLiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssued	-7328000000	gbp
CY2020	ifrs-full	Increase Decrease In Liabilities Under Insurance Contracts And Reinsurance Contracts Issued IncreaseDecreaseInLiabilitiesUnderInsuranceContractsAndReinsuranceContractsIssued	-4554000000	gbp
CY2022	lyg	Change In Other Provisions ChangeInOtherProvisions	80000000	gbp
CY2021	lyg	Change In Other Provisions ChangeInOtherProvisions	66000000	gbp
CY2020	lyg	Change In Other Provisions ChangeInOtherProvisions	-85000000	gbp
CY2022	lyg	Other Movements In Defined Benefit Schemes OtherMovementsInDefinedBenefitSchemes	125000000	gbp
CY2021	lyg	Other Movements In Defined Benefit Schemes OtherMovementsInDefinedBenefitSchemes	236000000	gbp
CY2020	lyg	Other Movements In Defined Benefit Schemes OtherMovementsInDefinedBenefitSchemes	247000000	gbp
CY2022	lyg	Foreign Exchange Impact On Balance Sheet2 ForeignExchangeImpactOnBalanceSheet2	-291000000	gbp
CY2021	lyg	Foreign Exchange Impact On Balance Sheet2 ForeignExchangeImpactOnBalanceSheet2	140000000	gbp
CY2020	lyg	Foreign Exchange Impact On Balance Sheet2 ForeignExchangeImpactOnBalanceSheet2	865000000	gbp
CY2022	lyg	Interest Expense On Subordinated Liabilities InterestExpenseOnSubordinatedLiabilities	697000000	gbp
CY2021	lyg	Interest Expense On Subordinated Liabilities InterestExpenseOnSubordinatedLiabilities	1320000000	gbp
CY2020	lyg	Interest Expense On Subordinated Liabilities InterestExpenseOnSubordinatedLiabilities	1080000000	gbp
CY2022	lyg	Gains Losses On Sale Of Non Cash Financial Assets Measured At Fair Value Through Other Comprehensive Income GainsLossesOnSaleOfNonCashFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	92000000	gbp
CY2021	lyg	Gains Losses On Sale Of Non Cash Financial Assets Measured At Fair Value Through Other Comprehensive Income GainsLossesOnSaleOfNonCashFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	-2000000	gbp
CY2020	lyg	Gains Losses On Sale Of Non Cash Financial Assets Measured At Fair Value Through Other Comprehensive Income GainsLossesOnSaleOfNonCashFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome	149000000	gbp
CY2022	lyg	Hedging Valuation Adjustments On Subordinated Debt HedgingValuationAdjustmentsOnSubordinatedDebt	-1871000000	gbp
CY2021	lyg	Hedging Valuation Adjustments On Subordinated Debt HedgingValuationAdjustmentsOnSubordinatedDebt	-781000000	gbp
CY2020	lyg	Hedging Valuation Adjustments On Subordinated Debt HedgingValuationAdjustmentsOnSubordinatedDebt	280000000	gbp
CY2022	lyg	Value Of Employee Services ValueOfEmployeeServices	224000000	gbp
CY2021	lyg	Value Of Employee Services ValueOfEmployeeServices	182000000	gbp
CY2020	lyg	Value Of Employee Services ValueOfEmployeeServices	122000000	gbp
CY2022	lyg	Proceeds From Payments For Sale Purchase Of Treasury Shares ProceedsFromPaymentsForSalePurchaseOfTreasuryShares	-20000000	gbp
CY2021	lyg	Proceeds From Payments For Sale Purchase Of Treasury Shares ProceedsFromPaymentsForSalePurchaseOfTreasuryShares	-13000000	gbp
CY2020	lyg	Proceeds From Payments For Sale Purchase Of Treasury Shares ProceedsFromPaymentsForSalePurchaseOfTreasuryShares	293000000	gbp
CY2022	lyg	Accretion Of Discounts And Amortisation Of Premiums And Issue Costs AccretionOfDiscountsAndAmortisationOfPremiumsAndIssueCosts	462000000	gbp
CY2021	lyg	Accretion Of Discounts And Amortisation Of Premiums And Issue Costs AccretionOfDiscountsAndAmortisationOfPremiumsAndIssueCosts	-306000000	gbp
CY2020	lyg	Accretion Of Discounts And Amortisation Of Premiums And Issue Costs AccretionOfDiscountsAndAmortisationOfPremiumsAndIssueCosts	-82000000	gbp
CY2022	ifrs-full	Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod	10000000	gbp
CY2021	ifrs-full	Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod	2000000	gbp
CY2020	ifrs-full	Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod	-13000000	gbp
CY2022	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Net Of Tax ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax	43000000	gbp
CY2021	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Net Of Tax ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax	-621000000	gbp
CY2020	ifrs-full	Reclassification Adjustments On Cash Flow Hedges Net Of Tax ReclassificationAdjustmentsOnCashFlowHedgesNetOfTax	-496000000	gbp
CY2022	lyg	Other Noncash Items OtherNoncashItems	-38000000	gbp
CY2021	lyg	Other Noncash Items OtherNoncashItems	-159000000	gbp
CY2020	lyg	Other Noncash Items OtherNoncashItems	-38000000	gbp
CY2022	lyg	Total Noncash Items TotalNoncashItems	-13659000000	gbp
CY2021	lyg	Total Noncash Items TotalNoncashItems	8227000000	gbp
CY2020	lyg	Total Noncash Items TotalNoncashItems	12871000000	gbp
CY2022	lyg	Adjustments For Increase Decrease Due To Contributions To Defined Benefit Scheme AdjustmentsForIncreaseDecreaseDueToContributionsToDefinedBenefitScheme	-2533000000	gbp
CY2021	lyg	Adjustments For Increase Decrease Due To Contributions To Defined Benefit Scheme AdjustmentsForIncreaseDecreaseDueToContributionsToDefinedBenefitScheme	-1347000000	gbp
CY2020	lyg	Adjustments For Increase Decrease Due To Contributions To Defined Benefit Scheme AdjustmentsForIncreaseDecreaseDueToContributionsToDefinedBenefitScheme	-1153000000	gbp
CY2022	lyg	Payments In Respect Of Regulatory And Legal Provisions PaymentsInRespectOfRegulatoryAndLegalProvisions	-625000000	gbp
CY2021	lyg	Payments In Respect Of Regulatory And Legal Provisions PaymentsInRespectOfRegulatoryAndLegalProvisions	-817000000	gbp
CY2020	lyg	Payments In Respect Of Regulatory And Legal Provisions PaymentsInRespectOfRegulatoryAndLegalProvisions	-2241000000	gbp
CY2022	ifrs-full	Other Adjustments For Noncash Items OtherAdjustmentsForNoncashItems	13000000	gbp
CY2021	ifrs-full	Other Adjustments For Noncash Items OtherAdjustmentsForNoncashItems	0	gbp
CY2020	ifrs-full	Other Adjustments For Noncash Items OtherAdjustmentsForNoncashItems	117000000	gbp
CY2022	lyg	Total Adjustments For Other Items TotalAdjustmentsForOtherItems	-3145000000	gbp
CY2021	lyg	Total Adjustments For Other Items TotalAdjustmentsForOtherItems	-2164000000	gbp
CY2020	lyg	Total Adjustments For Other Items TotalAdjustmentsForOtherItems	-3277000000	gbp
CY2022	lyg	Total Adjustments For Non Cash And Other Items TotalAdjustmentsForNonCashAndOtherItems	-16804000000	gbp
CY2021	lyg	Total Adjustments For Non Cash And Other Items TotalAdjustmentsForNonCashAndOtherItems	6063000000	gbp
CY2020	lyg	Total Adjustments For Non Cash And Other Items TotalAdjustmentsForNonCashAndOtherItems	9594000000	gbp
CY2022	ifrs-full	Disclosure Of Cash And Cash Equivalents Explanatory DisclosureOfCashAndCashEquivalentsExplanatory	<div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:70.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.684%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.824%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:7.689%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">2022</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2021</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">2020</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:4.55pt;font-weight:400;line-height:120%;position:relative;top:-2.44pt;vertical-align:baseline">1</span></div><div style="text-align:right"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:7pt;font-weight:400;line-height:120%">£m</span></div></td></tr><tr style="height:5pt"><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Cash and balances at central banks</span></td><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">91,388</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">76,420 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">73,257 </span></td><td style="border-right:1pt solid #000;border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less mandatory reserve deposits</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">2</span></div></td><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(2,111)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2,178)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1,875)</span></td><td style="border-right:1pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">89,277</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">74,242 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">71,382 </span></td><td style="border-top:1pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Loans and advances to banks and reverse repurchase agreements</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">14,418</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,533 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">10,746 </span></td><td style="border-right:1pt solid #231f20;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Less amounts with a maturity of three months or more</span></td><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">(7,866)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(5,581)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-left:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(3,983)</span></td><td style="border-right:1pt solid #231f20;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">6,552</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">4,952 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">6,763 </span></td><td style="border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Total cash and cash equivalents</span></td><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">95,829</span><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">79,194 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:0 1pt"/><td colspan="2" style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">78,145 </span></td><td style="border-bottom:1.5pt solid #000000;border-top:1pt solid #231f20;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:2pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Restated, see page F-<a href="#if787e051237d4380813ea48366877f0f_403" style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;text-decoration:none">16</a>.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">2 Mandatory reserve deposits are held with local central banks in accordance with statutory requirements. Where these deposits are not held in demand accounts and are not available to finance the Group’s day-to-day operations they are excluded from cash and cash equivalents.</span></div>
CY2022Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	91388000000	gbp
CY2021Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	76420000000	gbp
CY2020Q4	ifrs-full	Cash And Bank Balances At Central Banks CashAndBankBalancesAtCentralBanks	73257000000	gbp
CY2022Q4	ifrs-full	Mandatory Reserve Deposits At Central Banks MandatoryReserveDepositsAtCentralBanks	2111000000	gbp
CY2021Q4	ifrs-full	Mandatory Reserve Deposits At Central Banks MandatoryReserveDepositsAtCentralBanks	2178000000	gbp
CY2020Q4	ifrs-full	Mandatory Reserve Deposits At Central Banks MandatoryReserveDepositsAtCentralBanks	1875000000	gbp
CY2022Q4	ifrs-full	Bank Balances At Central Banks Other Than Mandatory Reserve Deposits BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits	89277000000	gbp
CY2021Q4	ifrs-full	Bank Balances At Central Banks Other Than Mandatory Reserve Deposits BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits	74242000000	gbp
CY2020Q4	ifrs-full	Bank Balances At Central Banks Other Than Mandatory Reserve Deposits BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits	71382000000	gbp
CY2022Q4	lyg	Loans And Advances To Banks And Reverse Repurchase Agreements LoansAndAdvancesToBanksAndReverseRepurchaseAgreements	14418000000	gbp
CY2021Q4	lyg	Loans And Advances To Banks And Reverse Repurchase Agreements LoansAndAdvancesToBanksAndReverseRepurchaseAgreements	10533000000	gbp
CY2020Q4	lyg	Loans And Advances To Banks And Reverse Repurchase Agreements LoansAndAdvancesToBanksAndReverseRepurchaseAgreements	10746000000	gbp
CY2022Q4	lyg	Loans And Advances To Banks Noncurrent LoansAndAdvancesToBanksNoncurrent	7866000000	gbp
CY2021Q4	lyg	Loans And Advances To Banks Noncurrent LoansAndAdvancesToBanksNoncurrent	5581000000	gbp
CY2020Q4	lyg	Loans And Advances To Banks Noncurrent LoansAndAdvancesToBanksNoncurrent	3983000000	gbp
CY2022Q4	lyg	Loans And Advances To Banks Current LoansAndAdvancesToBanksCurrent	6552000000	gbp
CY2021Q4	lyg	Loans And Advances To Banks Current LoansAndAdvancesToBanksCurrent	4952000000	gbp
CY2020Q4	lyg	Loans And Advances To Banks Current LoansAndAdvancesToBanksCurrent	6763000000	gbp
CY2022Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	95829000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	79194000000	gbp
CY2020Q4	ifrs-full	Cash And Cash Equivalents CashAndCashEquivalents	78145000000	gbp
CY2022Q4	ifrs-full	Cash And Cash Equivalents Held By Entity Unavailable For Use By Group CashAndCashEquivalentsHeldByEntityUnavailableForUseByGroup	37000000	gbp
CY2021Q4	ifrs-full	Cash And Cash Equivalents Held By Entity Unavailable For Use By Group CashAndCashEquivalentsHeldByEntityUnavailableForUseByGroup	76000000	gbp
CY2020Q4	ifrs-full	Cash And Cash Equivalents Held By Entity Unavailable For Use By Group CashAndCashEquivalentsHeldByEntityUnavailableForUseByGroup	84000000	gbp
CY2022	ifrs-full	Disclosure Of Events After Reporting Period Explanatory DisclosureOfEventsAfterReportingPeriodExplanatory	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 54: EVENTS SINCE THE BALANCE SHEET DATE</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Acquisition of Tusker</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On 21 February 2023, Lloyds Bank Asset Finance Limited, a wholly-owned subsidiary of the Group, acquired 100 per cent of the ordinary share capital of Hamsard 3352 Limited (“Tusker”), which together with its subsidiaries operates a vehicle management and leasing business. The acquisition will enable the Group to expand its salary sacrifice proposition within motor finance. Cash consideration was approximately £300 million</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">. As a result of the limited time available between the acquisition and the approval of these financial statements, the Group is still in the process of finalising the fair value of the individual assets and liabilities acquired including the associated identifiable intangible assets and goodwill.</span></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1 Subject to customary adjustments.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Share buyback</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Board has announced its intention to implement an ordinary share buyback of up to £2.0 billion. This represents the return to shareholders of capital surplus to that required to provide capacity to grow the business, meet current and future regulatory requirements and cover uncertainties. The share buyback programme will commence as soon as is practicable and is expected to be completed, subject to continued authority from the PRA, by 31 December 2023.</span></div>
CY2022	ifrs-full	Description Of Expected Impact Of Initial Application Of New Standards Or Interpretations DescriptionOfExpectedImpactOfInitialApplicationOfNewStandardsOrInterpretations	<div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:10pt;font-weight:700;line-height:120%">NOTE 55: FUTURE ACCOUNTING DEVELOPMENTS</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The following pronouncements are not applicable for the year ending 31 December 2022 and have not been applied in preparing these financial statements. Save as disclosed below, the impact of these accounting changes is still being assessed by the Group and reliable estimates cannot be made at this stage.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">IFRS 17 Insurance Contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 17 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Insurance Contracts</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> replaces IFRS 4 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Insurance Contracts</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and is effective for annual periods beginning on or after 1 January 2023. The Group’s initial application date was 1 January 2023 and its transition date was 1 January 2022. On transition, the Group will use the full retrospective approach for business written since 1 January 2016 using Solvency II modelling tools developed when Solvency II was implemented, which are only available to support the calculation of IFRS 17 results from that date. The fair value approach will be used for business written prior to 1 January 2016 and valuations supporting Solvency II at the transition date will be used to support the fair value calculation for transition for that business.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Comparative information</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">As permitted by IFRS 17, the Group’s financial statements at and for the year ended 31 December 2023 will include restated comparatives for the year ended 31 December 2022 only. Comparative information for the year ended 31 December 2021 will be presented in accordance with IFRS 4.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">IFRS 17 recognition and measurement</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 17 requires insurance contracts, including reinsurance contracts, and investment contracts with discretionary participation features to be recognised on the balance sheet as the total of the fulfilment cash flows and the contractual service margin:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The fulfilment cash flows consist of the present value of future cash flows calculated using best estimate assumptions, together with an explicit risk adjustment for non-financial risk and are required to be remeasured at each reporting date</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">The contractual service margin (CSM) represents the unearned profit on the insurance contracts and investment contracts with discretionary participation features</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Changes to estimates of fulfilment cash flows which relate to future service are taken to the CSM, except where onerous contracts are identified or where the Group takes advantage of the risk mitigation options available under IFRS 17. The Group calculates the risk adjustment by applying margins to best estimate cashflows relating to non-financial risks (such as mortality or persistency). The risk adjustment will be released to the income statement as risk expires. For reinsurance contracts held, the CSM represents the net cost or net gain of purchasing reinsurance and the risk adjustment represents the amount of risk transferred from the underlying contracts held.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Expected impact: comparison with IFRS 4</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Under IFRS 4, the Group recognises a value in-force asset and the expected profit of an insurance contract at its inception. Under IFRS 17, the expected profit for providing insurance contract services will be recognised in the CSM and released to the income statement throughout the contract period over which the insurance contract services are provided. The risk adjustment is released commensurate with the expiry of non-financial risk associated with the valuation of best estimate cash flows. The value in-force asset recognised by the Group at 31 December 2021 will be derecognised on transition.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 17 will impact the timing of profit recognition for the insurance contracts and investment contracts with discretionary participation features issued by the Group. However, it will not change the total profit recognised over the lifetime of these contracts as compared to IFRS 4, or the capital position or cash flows of the Group and its insurance companies. The change in the measurement basis of the Group’s liabilities, the derecognition of the VIF and the recognition, within the CSM, of a proportion of the previously recognised profits from insurance contracts will result in a reduction to the Group’s retained earnings on transition.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Establishing cash flows within the boundary of an insurance contract</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 17 requires cash flows to be included within the boundary of an insurance contract if they arise from substantive rights and obligations that exist during the reporting period where the Group can compel a policyholder to pay premiums or where the Group has a substantive obligation to provide the policyholder with services. The Group has assessed the contract boundary for insurance contracts it sells and has established relevant fulfilment cash flows accordingly, and the assumption framework which applies to determining the best estimate of those cash flows on an on-going basis. In particular, this includes the assumptions around increments on pensions business which are expected within the contract boundary and the extent to which the contract boundary is substantially changed upon contact modification as a result of new product features being added.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Level of aggregation of insurance contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 17 requires identification of portfolios of insurance contracts that have similar risks and that are managed together. In determining the appropriate level of aggregation, the Group has considered the relative risks and how these are managed within the business, in addition to factors such as geography, sales channel and product taxation basis. CSM is measured on initial recognition for cohorts of insurance contracts within these portfolios that are issued not more than a year apart. These cohorts are further disaggregated into CSM groups according to a profitability assessment and other product characteristics. As a result, the Group has identified the following portfolios: individual annuities, bulk annuities, protection products and workplace and other pensions. Within these portfolios, the Group expects to have approximately 25 CSM groups during 2023, in addition to those established at transition to IFRS 17.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Separating components of contracts</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">IFRS 17 also requires certain components of insurance contracts to be separated, including investment components. Investment components reflect amounts due to policy holders, akin to deposits, so are not recognised in the income statement.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Disaggregation of insurance finance income or expenses</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Insurance finance income or expenses comprise changes in the carrying amount of a group of insurance contracts arising from the effect of the time value of money and the effects of financial risk. IFRS 17 provides an accounting policy choice between:</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">including insurance finance income or expenses for the period in the income statement; or</span></div><div style="margin-bottom:4pt;padding-left:7.09pt;text-indent:-7.09pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.09pt">disaggregating insurance finance income and expenses for the period to include in the income statement an amount determined by a systematic allocation, and the residual amount in other comprehensive income (OCI).</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group has elected to recognise total insurance finance income or expenses in profit or loss in the period in which they arise. This decision is based on IFRS 9 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Financial Instruments</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">. Under IFRS 9, the Group measures assets backing insurance contracts at fair value through profit or loss (FVTPL).</span></div><div style="margin-bottom:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Accounting for the Group’s principal insurance businesses</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Annuity and protection business:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> The general measurement model will be used for the Group’s annuity and protection business. The discount rates are locked in at the inception of the contract in determining the value of the CSM. The subsequent effects of changes in discount rates on the best estimate of the insurance contract liabilities will be recognised in the income statement in the period in which they arise, as an accounting policy choice. The Group will use discount rates based on the liquidity of the associated liabilities and, accordingly, will apply illiquidity premia to its annuity and whole of life businesses. For immediate annuity contracts, the CSM will be recognised in income over the life of the contracts based on the maximum claim payable for each period and for protection contracts, CSM will be recognised in the income statement commensurate with the sum assured.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Unit-linked and with-profits business:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> There is an adaptation of the general measurement model for contracts with direct participation features, the variable fee approach, which results in changes in variable fees, including those arising from changes in economic assumptions, being taken to the CSM. The expected profit will be recognised within the CSM and released to the income statement over the coverage period.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">General insurance business:</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> The Group has applied the option available under IFRS 17 to use the simplified approach (the premium allocation approach), mainly for short duration contracts. The insurance revenue recognised in the income statement in the period reflects the expected premium receipts allocated to the period, after adjusting for the time value of money and the effect of financial risk. The amortisation of insurance acquisition cash flows is taken to the income statement on the basis of the passage of time.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Balance sheet impact at 1 January 2022</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">On restatement, the reduction in the Group’s total equity as of 1 January 2022 was approximately £1.9 billion, driven by the derecognition of the value in-force asset, the move to best estimate of contract liabilities, the creation of the new CSM liability and the establishment of the risk adjustment. The CSM of all insurance contracts issued and net of reinsurance contracts held at 1 January 2022 was approximately £1.9 billion and the risk adjustment, net of reinsurance, recognised at that date was approximately £1.5 billion. The Group expects that approximately £300 million of the CSM and risk adjustment, gross of reinsurance, held at 1 January 2022 will be released and recognised in the income statement during the year ended 31 December 2022. These amounts will be finalised during the first quarter of 2023 following the completion of further work being undertaken by the Group.</span></div><div style="margin-bottom:1pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Equity impact at 31 December 2022</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">During 2022, the Group has added a drawdown feature to its existing longstanding and workplace pension business. This is a contract modification that results in a substantially different contract boundary, and IFRS 17 requires that the contracts and associated CSM (approximately £0.4 billion) at the time of the modification are derecognised and the modified contracts together with a new CSM (approximately £1.7 billion) are recognised as if they were new contracts.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group estimates these contract modifications will increase the CSM by approximately £1.3 billion and reduce its equity by approximately £1.3 billion (before the impact of IFRS 17 tax transitional adjustments) given the charge recognised in the income statement in 2022 on an IFRS 17 basis. The estimate has been prepared assuming these contract modifications occurred on the 1 January 2022. As these contract modifications occurred throughout 2022, the Group will undertake further work during the first quarter of 2023 to finalise the financial impact of the contract modifications using the actual dates these contract modifications occurred during 2022.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#6d6d6d;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Income statement impact</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Whilst IFRS 17 does not change the total profit recognised over the life of an insurance contract or investment contract with discretionary participation features, it does change both the phasing of profit recognition and the amounts recognised within individual income statement line items, including other income and operating expenses. Under IFRS 17, the Group is required to defer substantially all of the expected profit through the recognition of a CSM on the balance sheet (losses on groups of onerous contracts and recoveries of such losses, to the extent they are covered by reinsurance contracts held, are recognised in the income statement immediately); the CSM is subsequently released to the income statement over the coverage period of the product. The expected profit includes estimated future premiums and claims together with administration costs such as claims handling costs, costs incurred to provide contractual policyholder benefits and policy administration and maintenance costs. As a result, a reduction is expected in the amounts to be disclosed as other income, operating income and operating expenses under IFRS 17, in respect of the relevant IFRS 17 income statement line items that will be presented from 2023.</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The Group continues to refine and finalise the new accounting processes and models and has not, therefore, presented the impact of IFRS 17 for the year ended 31 December 2022 including impacts on financial metrics such as earnings per share. Further work will be undertaken during the first quarter of 2023 to finalise the impact of IFRS 17 on the Group’s income statement and earnings per share for the year ended 31 December 2022 and on its balance sheet at 31 December 2022.</span></div><div style="margin-bottom:1pt;margin-top:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:8pt;font-weight:700;line-height:120%">Minor amendments to other accounting standards</span></div><div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The IASB has issued a number of minor amendments to IFRSs effective 1 January 2023 (including IAS 1 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Presentation of Financial Statements</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%"> and IAS 8 </span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:120%">Accounting Policies, Changes in Accounting Estimates and Errors</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">). These amendments are not expected to have a significant impact on the Group.</span></div>
CY2022	ifrs-full	Disclosure Of Interests In Subsidiaries Explanatory DisclosureOfInterestsInSubsidiariesExplanatory	<div style="margin-bottom:4pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">The principal subsidiaries, all of which have prepared accounts to 31 December and whose results are included in the consolidated accounts of Lloyds Banking Group plc, are:</span></div><div style="margin-bottom:4pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.939%"><tr><td style="width:1.0%"/><td style="width:34.185%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.030%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.129%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.256%"/><td style="width:0.1%"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Country of registration/<br/>incorporation</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Percentage of equity share<br/>capital and voting rights held</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 85 Heavy',sans-serif;font-size:7pt;font-weight:700;line-height:120%">Nature of business</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lloyds Bank plc</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">England</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking and financial services</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scottish Widows Limited</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">England</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Life assurance</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">HBOS plc</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scotland</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Holding company</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Bank of Scotland plc</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Scotland</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:5.2pt;font-weight:400;line-height:120%;position:relative;top:-2.8pt;vertical-align:baseline">1</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking and financial services</span></td></tr><tr><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Lloyds Bank Corporate Markets plc</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">England</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">100%</span></td><td colspan="3" style="border-bottom:1.5pt solid #000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Banking and financial services</span></td></tr></table></div><div style="margin-bottom:4pt;padding-left:8.5pt;text-indent:-8.5pt"><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%">1</span><span style="color:#000000;font-family:'Avenir LT Pro 35 Light',sans-serif;font-size:6pt;font-weight:400;line-height:120%;padding-left:5.38pt">Indirect interest.</span></div>

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Lloyds Banking Group plc Stock $lyg

2022 Q4 Form 20-F Financial Statement

#000116010623000008 Filed on February 24, 2023

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$LYG Lloyds Banking Group plc Stock $lyg

2022 Q4 Form 20-F Financial Statement

#000116010623000008 Filed on February 24, 2023

Income Statement

Balance Sheet

Cashflow Statement

Facts In Submission

Files In Submission

$LYG
Lloyds Banking Group plc Stock $lyg